ILIEVSKI, Andrej. SHAPING THE FUTURE OF FINTECH: FROM A PERSPECTIVE OF CENTRAL BANKS. Horizons - International Scientific Journal, [S. l.], v. 27, n. 4, p. 147–158, 2020. DOI: 10.20544/HORIZONS.A.27.4.20.P12. Disponível em: https://www.ojs.uklo.edu.mk/index.php/horizons/article/view/159. Acesso em: 18 oct. 2026.