KHAN, N. A. .; AHMED KHATTAK, M. DIGITAL TRANSFORMATION AND THE BANKING MARKET: FRIEND OR FOE? A COUNTRY-LEVEL STUDY. Journal of Central Banking Law and Institutions, [S. l.], v. 3, n. 1, p. 129–152, 2024. DOI: 10.21098/jcli.v3i1.167. Disponível em: https://www.jcli-bi.org/index.php/jcli/article/view/167. Acesso em: 14 jan. 2026.