DR. SAFIKA P. SHEIKH; CS SRISHTI VAJPAYEE; SHAFKAT SHAFI DAR. Fintech or TechFin: Discovery of an Extant State by Panel Data Estimation. International Journal of Management Studies (IJMS), [S. l.], v. 6, n. 2(2), p. 124–131, 2021. Disponível em: https://www.researchersworld.com/index.php/ijms/article/view/1118. Acesso em: 5 aug. 2025.