«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 26, 2026. https://revistas.up.edu.pe/business/article/view/1650.