SHANKAR REDDY, P.; RAMYA, D. J. The Impact of FINTECH on Financial Services: Opportunities and Challenges. International Journal of Management and Development Studies , [S. l.], v. 13, n. 6, p. 13–26, 2024. DOI: 10.53983/ijmds.v13n6.002. Disponível em: https://old.ijmds.in/index.php/ijmds/article/view/659. Acesso em: 6 apr. 2026.