KOPTYUG, Andrey. Financial Technology’s Disruption of Traditional Banking Systems in Developing Economies. International Academic Journal of Social Sciences, [S. l.], v. 12, n. 3, p. 22–28, 2025. DOI: 10.71086/IAJSS/V12I3/IAJSS1212. Disponível em: https://iaiest.com/iaj/index.php/IAJSS/article/view/IAJSS1212. Acesso em: 28 oct. 2026.