FinTech Past and Future:Ecosystem, Business Model and its Proximate Challenges. Pakistan Business Review, Pakistan, v. 24, n. 1, 2022. DOI: 10.22555/pbr.v24i1.645. Disponível em: https://journals.iobm.edu.pk/index.php/pbr/article/view/645. Acesso em: 17 may. 2026.