DR. HENRIETTE NDAYA. The Evolution of Fintech Startups: From Disruption to Collaboration with Traditional Banks. International Journal of Innovative and Applied Finance, [S. l.], v. 12, n. 3, 2024. Disponível em: https://www.publishpk.net/index.php/ijiaf/article/view/329. Acesso em: 6 may. 2025.