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. DOI: 10.52783/jier.v6i1.4384. Disponível em: https://jier.org/index.php/journal/article/view/4384. Acesso em: 5 aug. 2026.