Rühl, Alexander, y Ricardo Palomo Zurdo. «Does technology contribute to financial democratization? The collaborative economy and fintechs as catalysts for change». REVESCO. Revista de Estudios Cooperativos 133 (abril 24, 2020): e65486. Accedido julio 23, 2026. https://revistas.ucm.es/index.php/REVE/article/view/65486.