WASEEM AKRAM. THE FINTECH EVALUATION AND ITS IMPACT ON MODERN BANKING. International Journal of Educational Excellence and Innovation, india, v. 2, n. 06, p. 1–49, 2025. DOI: 10.5281/zenodo.15645647. Disponível em: https://universalscholars.org/index.php/ijeei/article/view/73.. Acesso em: 2 nov. 2025.