Ѓоргиева-Трајковска, Оливера. “ЕЛЕКТРОНСКО БАНКАРСТВО – ПОИМ И РИЗИЦИ”. Yearbook - Faculty of Economics 1, no. 1 (September 11, 2018): 162-171. Accessed May 7, 2024. https://js.ugd.edu.mk/index.php/YFE/article/view/2368.