IMPLICATIONS OF FINANCIAL INNOVATION ON BANKING SECTOR – APPLICATION OF NEW FINANCIAL INSTRUMENTS IN BANKING. Yearbook - Faculty of Economics, [S. l.], v. 7, n. 1, p. 68–73, 2018. Disponível em: https://js.ugd.edu.mk/index.php/YFE/article/view/2422. Acesso em: 5 may. 2026.