Acuña-Muñoz OA. Design and validation of an instrument for measuring socio-cultural and demographic factors that impact the adoption of an innovative financial service. TE [Internet]. 2021 May 3 [cited 2024 Nov. 21];15(2):68-9. Available from: https://revistas.tec.ac.cr/index.php/tec_empresarial/article/view/5720