Reyes Carhuapoma, T. S.; Flores Goycochea, R. A.; Ruiz Sevillano, E. A.; Yaguas Ramos, E. M.; Peralta Timoteo, C. S.; Benavides Mikkelsen, J. L. Digitalization As a Factor of Financial Inclusion in SMEs. Revista InveCom 2026, 6 (Especial 1), 1-11. https://doi.org/10.5281/zenodo.21297751.