MOUSSAVOU, J. Banking and Digital Transformation: Towards an Integration of Fintechs’ Activities to Develop Innovation. Journal of Applied Business and Economics, [S. l.], v. 22, n. 14, 2020. Disponível em: https://articlearchives.co/index.php/JABE/article/view/1952. Acesso em: 14 sep. 2025.