Puente, M., et al. “Analysis of Bancarization Through Sofware As a Process of Financial Inclusion in Chimborazo”. ESPOCH Congresses: The Ecuadorian Journal of S.T.E.A.M., vol. 1, no. 1, Aug. 2021, pp. 102-18, doi:10.18502/espoch.v1i1.9552.