FITZROY, F. R., & KRAFT, K. The Future Of Banking: Innovations And Disruptions Academic Perspective. International Journal of Innovative and Applied Finance, [S. l.], v. 12, n. 1, 2024. Disponível em: https://www.publishpk.net/index.php/ijiaf/article/view/271. Acesso em: 9 aug. 2025.