Fintech Innovation in the Financial Sector: Influence of E-money Products on a Growing Economy. Studia Universitatis Vasile Goldiș Arad, Seria Științe Economice, [S. l.], v. 31, n. 4, p. 40–53, 2021. Disponível em: https://publicatii.uvvg.ro/index.php/studiaeconomia/article/view/688. Acesso em: 15 apr. 2026.