Sepp, Kaapo Aadelheide, and Vasilos Ionut Ciobanu. “How Analytics Can Facilitate Innovative Financial Services for Consumers in Developed Countries”. International Journal of Data Science and Advanced Analytics 4, no. 1 (December 6, 2022): 145–150. Accessed May 14, 2026. https://ijdsaa.com/index.php/welcome/article/view/111.