1. Digital finance in the era of digital transformation: A bibliometric and thematic analysis // Emerald Publishing. URL: https://www.emerald.com/dts/article/doi/https://doi.org/10.1108/DTS-01-2025-0018/1300732/Digital-finance-in-the-era-of-digital.

2. Digital finance and future of banks and financial services // MPRA Paper No 124267. – URL: https://mpra.ub.uni-muenchen.de/124267/1/MPRA_paper.

3. Digital transformation and the emergence of the Fintech sector Elsevier. – URL: https://www.sciencedirect.com/science/article/pii/S2666954422000084.

4. International Settlements. – URL: https://www.bis.org/publ/bppdf/bispap117.pdf

5. Open Banking in the Context of Fast Payments World Bank 2023. – URL: https://fastpayments.worldbank.org/sites/default/files/2023-09/Open%20Banking%20and%20FPS_Final_August%2028.pdf.

6. BigTech in Financial Services Regulatory Approaches and Architecture IMF Fintech Notes, 2022. – URL: https://www.imf.org/-/media/files/publications/ ftn063/2022/english/ftnea2022002.pdf.

7. Fintechs a new paradigm of growth McKinsey Company, 2023. – URL: https://www.mckinsey.com/industries/financial-services/our-insights/ fintechs-a-new-paradigm-of-growth.

8. The Evolution of Fintech From Traditional to Modern Innovations IJFMR 2025. – URL: https://www.ijfmr.com/papers/2025/4/51860.pdf.