ANUKRITI MISHRA. A Conceptual Framework for Fintech’s Influence on Banking Services in Emerging Markets. Journal of Informatics Education and Research, [S. l.], v. 6, n. 1, 2026. Disponível em: https://www.jier.org/index.php/journal/article/view/4384. Acesso em: 2 mar. 2026.