Pérez Martínez, Armenio, Guido Mantilla Buenaño, and Oscar Parada Gutiérrez. 2025. “Financial Decisions in Temporal Perspective: Analysis of Three Groups of Ecuadorian University Students”. European Public & Social Innovation Review 11 (October). España:1-22. https://doi.org/10.31637/epsir-2026-2002.