Rubio, Jeniffer, Bryan, Dayana, and John. “Preferences in the Use of Electronic Payments in Ecuador”. Cuestiones Económicas 31, no. 1 (June 15, 2021): Autores: Jeniffer Rubio, Bryan Pérez, Dayana Acosta y John Arroyo. Accessed November 14, 2026. https://estudioseconomicos.bce.fin.ec/index.php/RevistaCE/article/view/292.