FINANCIAL INNOVATION, TECHNOLOGICAL IMPROVEMENT AND BANKS’ PROFITABILITY: AN EMPIRICAL INSIGHT. International Journal of Business and Management Sciences, [S. l.], v. 4, n. 1, p. 87–111, 2023. Disponível em: https://ijbmsarchive.com/index.php/jbmis/article/view/368. Acesso em: 19 apr. 2025.