Bitinas, Augustas, and Daiva Burkšaitienė. “Evaluation of the Impact of Financial Technologies on the Financial Efficiency of Commercial Banks”. Mokslas – Lietuvos ateitis / Science – Future of Lithuania 16 (January 8, 2024). Accessed November 22, 2024. https://jbem.vgtu.lt/index.php/MLA/article/view/19962.