SEPP, K. A.; CIOBANU, V. I. How Analytics Can Facilitate Innovative Financial Services for Consumers in Developed Countries. International Journal of Data Science and Advanced Analytics, [S. l.], v. 4, n. 1, p. 145–150, 2022. DOI: 10.69511/ijdsaa.v4i4.111. Disponível em: https://ijdsaa.com/index.php/welcome/article/view/111. Acesso em: 14 may. 2026.