Merino Balcázar, Janella Jhojani, y Ángel Eduardo Llatas Rivas. «Determining Factors of the Intention to Adopt Fintech Services by Micro and Small Business Owners from Chiclayo, Peru». Journal of Business, Universidad del Pacífico (Lima, Peru) 13, no. 2 (enero 19, 2022): 19–43. Accedido agosto 16, 2026. http://revistas.up.edu.pe/index.php/business/article/view/1650.