Vovchak, Olha, and Natalia Gongalo. “DIGITAL INNOVATIONS AND THEIR IMPACT ON BANKS’ COMPETITIVENESS”. Socio-economic relations in the digital society, no. 3 (39) (December 29, 2020): 46–51. Accessed August 1, 2026. https://fta-support.website/index.php/SER/article/view/394.