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Raul J. Chang

Raúl J. Chang is a PhD candidate at the Latin University of Costa Rica. His research interests include business studies, digital entrepreneurship, and fintech. He possesses strong business acumen, having worked in various companies within strategy and organisational development departments.

Business/Finance

Can FinTech replace traditional banks?

Raul J. Chang Jose A. Folgado-Fernandez Pedro R. Palos Sánchez
July 8, 2025

How does FinTech adoption impact customer trust and financial inclusion in digital banking?

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