TRANSFORMATION OF THE FINANCIAL SECTOR UNDER THE INFLUENCE OF FINTECH Authors N. Koziy https://orcid.org/0000-0001-8230-2974 K. Didkivska https://orcid.org/0009-0006-7702-7289 DOI: https://doi.org/10.32702/2307-2105.2025.12.139 Downloads pdf (Українська) Published 2025-12-17 Issue No. 12 (2025): Efektyvna ekonomika Section Статті