BOSHKOSKA, Meri; TRAJKOVA NAJDOVSKA, Natasha. SOCIO – ECONOMIC FACTORS DETERMENING THE USE OF FINTECH IN NORTH MACEDONIA. Horizons - International Scientific Journal, [S. l.], v. 28, n. 1, p. 7–17, 2021. DOI: 10.20544/HORIZONS.A.28.1.21.P01. Disponível em: https://ojs.uklo.edu.mk/index.php/horizons/article/view/141. Acesso em: 10 oct. 2026.