Arenas, Laura, Anna María Gil-Lafuente, and Josefa Boria Reverter. “The Impact of Disruptive Technology on Banking under Switching Volatility Regimes”. Technological and Economic Development of Economy 29, no. 4 (August 23, 2023): 1264–1290. Accessed November 28, 2024. https://mma.vgtu.lt/index.php/TEDE/article/view/18976.