ACUÑA-MUÑOZ, Oscar Andrés. Design and validation of an instrument for measuring socio-cultural and demographic factors that impact the adoption of an innovative financial service. Tec Empresarial, [S. l.], v. 15, n. 2, p. 68–98, 2021. DOI: 10.18845/te.v15i2.5720. Disponível em: https://revistas.tec.ac.cr/index.php/tec_empresarial/article/view/5720. Acesso em: 28 mar. 2024.