Sergio Clavijo2026-03-222026-03-22202510.2139/ssrn.5194819https://doi.org/10.2139/ssrn.5194819https://andeanlibrary.org/handle/123456789/84452esPolitical scienceEconomicsHumanitiesFinTech, FinTernet y RegTech: Sus DesafĂ­os en Siglo XXI (FinTech, FinTernet and RegTech: Their Challenges in the XXI Century) <br>preprint