Sergio Clavijo2026-03-222026-03-22202510.2139/ssrn.5133052https://doi.org/10.2139/ssrn.5133052https://andeanlibrary.org/handle/123456789/84432enPolitical scienceRegional scienceEconomicsFinTech, FinTernet and RegTech: Their Challenges in the XXI Centurypreprint