NĀTRIŅŠ, Andris; SARNOVICS, Andris; MIĶELSONE, Elīna. BANKS AND FINTECH: IMPACT OF TECHNOLOGICAL INNOVATION ON COMPETENCES MANAGEMENT IN LATVIA. SOCIETY. INTEGRATION. EDUCATION. Proceedings of the International Scientific Conference, Rezekne, Latvia, v. 6, p. 423–438, 2021. DOI: 10.17770/sie2021vol6.6488. Disponível em: https://archive-journals.rtu.lv/sie/article/view/2993.. Acesso em: 11 mar. 2026.