Bedjeti Baftijari, Artina, and Leonid Nakov. 2021. “AN OVERVIEW ON HOW CAN FINANCIAL TECHNOLOGY (FINTECH) TRANSFORM THE FUTURE OF BANK SERVICES AND PERFORMANCE: A CHALLENGE OR OPPORTUNITY?”. KNOWLEDGE - International Journal 49 (1):59-63. https://ikm.mk/ojs/index.php/kij/article/view/4620.