Valencia-Arias, Alejandro, Diana Pacheco, and Daniel Cardona Valencia. “Variables Affecting Financial Inclusion. Case Study Colombia”. Rev. Téc. Fac. Ing. Univ. Zulia 46 (July 5, 2023): e234606. Accessed December 6, 2025. https://produccioncientificaluz.org/index.php/tecnica/article/view/40526.