Gancarczyk, Marta, Piotr Łasak, and Jacek Gancarczyk. 2022. “The Fintech Transformation of Banking: Governance Dynamics and Socio-Economic Outcomes in Spatial Contexts”. Entrepreneurial Business and Economics Review 10 (3): 143-65. https://doi.org/10.15678/EBER.2022.100309.