数字金融如何影响国内外银行业发展与转型. Journal of the European Academy Open University, [S. l.], v. 1, n. 1, 2025. DOI: 10.71411/eaou.2025.v1i1.578. Disponível em: https://ojs.shiharr.com/index.php/eaou/article/view/578. Acesso em: 30 jan. 2026.