ENTREPRENEURSHIP AND INNOVATION IN BANKING POST COVID-19: A CONCEPTUAL ANALYSIS OF FINTECH’S ROLE. Journal of the Management Sciences, [S. l.], v. 61, n. 9, p. 195–214, 2025. Disponível em: https://journals.unizik.edu.ng/jfms/article/view/6028. Acesso em: 5 may. 2025.