Villegas Vargas , Jorge León, Juan Manuel Osorio Cano, Luis Enrique Ruiz, David Alberto García Arango, Claudia Marcela Montoya Escobar, and Leidy Catalina Acosta Agudelo. “FinTech-Driven Business Process Automation and Its Impact on Microenterprise Productivity in Emerging Economies”. Enterprise Development and Microfinance 36, no. 1 (April 17, 2026): 275–292. Accessed April 18, 2026. https://papjournals.com/index.php/edm/article/view/670.