References
- Nawayseh, M. (2020). FinTech in COVID-19 and beyond: What factors are affecting customers’ choice of FinTech applications? Journal of Open Innovation: Technology, Market, and Complexity, 6(4), 153.
- European Commission. (2022). Digital Economy and Society Index (DESI) Report. https://digital-strategy.ec.europa.eu/en/library/digital-economy-and-society-index-desi-2022
- European Commission. (2024). Digital Economy and Society Index (DESI) Report. https://digital-strategy.ec.europa.eu/en/policies/desi
- Fredes, I. & Matthiesesn, R. (2010), Overview on techniques in cluster analysis. Methods Mol Biol, 593, 81-107.
- Fu, J., & Mishra, M. (2022). Fintech in the time of COVID-19: Technological adoption during crises. Journal of Financial Intermediation, 50, 100945.
- Grigorescu, A, & Bortea, A. N. (2020). Global digital economy. Blockchain technology and public administrations. In R. Pamfilie, V. Dinu, L Tächiciu, D. Plesea, & C. Vasiliu (Eds.), 6th BAS/Q International Conference on New Trends in Sustainable Business and Consumption (pp. 198-205). Messina, Italy, 4-6 June 2020. ASE.
- Groth, D Hartmann, S., Klie, S„ & Selbi, B J. (2013). Principal components analysis. In Computational toxicology, pp. 527-547. Humana Press.
- Jovovic, N. (2023). Unprecedented Rise in the Digital Economy, in Fintech in The Context of The Digital Economy: Opportunities and Challenges. Université Côte d’ Azur, France. Balkan Institute of Science and Innovation – BISI, pp.39-54, 978-2-493478-01-6./
- Jünger, M., & Mietzner, M. (2020). Banking goes digital: The adoption of FinTech services by German households. Finance Research Letters, 34, 101260.
- Kaspar, M. (2021). Europe is losing the FinTech race. Here’s why. Investment Monitor, https://www.investmentmonitor.ai/insights/europe-is-losing-theFinTech-race-heres-why .
- Kherif, F., & Latypova, A (2020). Principal component analysis. In Machine learning, pp. 209-225. Academic Press.
- Lacovoiu, V., Stancu, A. (2017). Competition and consumer protection in the Romanian banking sector”. Amfiteatru Economic, 19(45), 381.
- Mexhuani, F., Ribaj, A. (2018). National Financial Inclusion Strategy for fighting against poverty and enhancing sustainable economic development in Albania, European Journal of Marketing and Economics, 1(2), 57-65.
- Najaf, K., Mostafiz, M. & Najaf, R. (2021). FinTech firms and banks sustainability. Why cybersecurity risk matters? International Journal of Financial Engineering, 8(2), 2150019.
- Ndou, V., Scorrano, P., Mele, G., & Stefanizzi, P. (2021). Fundraising activities and digitalization: Defining risk indicators for evaluating equity crowdfunding campaigns. Meditari Accountancy Research. Vol. 30 No. 4, pp. 1169-1190.
- Rabbani, M. R., & Khan, S. (2020). FinTech, blockchain and Islamic finance: An extensive literature review. European Research Studies, 23(1), 348-368.
- Richardson, M. (2009). Principal component analysis. http://people.maths.ox.ac.uk/richardsonm/SignalProcPCApdf
- Sadfakowski, D„ & Sobieraj, A. (2017). The development of the FinTeh industry in the Visegrad group countries. World Scientific News, 85, 10-18.
- Schipor, G. L, & Duhnea, C. (2020). The consumer acceptance of the digital banking Services in Romania: An empirical investigation. Journal of Balkan and Near East Stidoes, 7(3), 57-62.
- Sharma, G. D., Erkut, Jain, M., Kaya, T., Mahendru, M., Srivastava, M., Uppal, R. S., & Singh, S. (2020). Sailing through the COVID-19 crisis by using Al for financial market predictions. Mathematical Problems in Engineering, 2020, 1-18.
- Stefanovic, N., Barjaktarovic, L, Bataev, A (2021), „Digitainability and financial performance: Evidence from the Serbian banking sector”, Sustainability, 13(23), 13461.
- Syms, C. (2008). Principal components analysis. In W. Eugster, J. Sven Erik, & F. Brian (Eds.), Wind effects, encyclopedia of ecology (Vol. 2008, pp. 2940 2949). Academic Press.
- Taranyuk, P. (2022). Cash in no longer king, but some countries are holding out longer than others. Investment Monitor, https://vowv.investmentmonitor.ai/insights/cash-digital-physical-countries-europe
- Tintor, V. Advisory, S., Jovanović, N., Mark, P., Bocarova, V., and Bugarski, M. (2022). Western Balkans Digital Economy Society Index, Regional Cooperation Council, Sarajevo.
- Vasenska, 1., Dimitrov, P„ Koyundzhiyska-Davidkova, B„ Krastev, V„ Durana, P„ Poulaki, l. (2021), „Financial transactions using FinTech during the COVID-19 crisis in Bulgaria”, Risks, 9(3), 48.
- Vasile, V., Panait, M., & Apostu, S. A (2021). Financial inclusion paradigm shift in the postpandemic period. Digital-divide and gender gap. Intemational Jour nal of Environmental Research and Public Health, 18(20), 10938.
- Yue, X. G., Cao, Y., Duarte, N., Shao, X. F., & Manta, O. (2019). Social and financial inclusion through nonbanking institutions: A model for rural Romania. Journal of Risk and Financial Management, 12(4), 166.
- Wilks, D. (2011), Statistical Methods in the Atmospheric Sciences: An Introduction. International Geophysics..