THE EFFECT OF MICROECONOMIC FACTORS ON BUSINESS MODELS IN FINTECH INDUSTRY. ENVIRONMENT. TECHNOLOGY. RESOURCES. Proceedings of the International Scientific and Practical Conference, [S. l.], v. 1, p. 364–371, 2019. DOI: 10.17770/etr2019vol1.4125. Disponível em: https://archive-journals.rtu.lv/etr/article/view/4235.. Acesso em: 11 mar. 2026.