Sergio ClavijoNelson VeraDaniel O. BeltranJuan Diego Suárez Londoño2026-03-222026-03-22201910.2139/ssrn.3334198https://doi.org/10.2139/ssrn.3334198https://andeanlibrary.org/handle/123456789/59357Citaciones: 7enBusinessFinancial systemFinancial servicesLatin AmericansEconomicsDigital Financial Services (FINTECH) in Latin Americaarticle