FINTECH INTEGRATION IN BANKING SERVICES: EFFICIENCY GAINS, REGULATORY CHALLENGES, AND SYSTEMIC IMPLICATIONS. Journal of Multidisciplinary Sciences and Innovations, [S. l.], v. 5, n. 01, p. 1495–1498, 2026. DOI: 10.55640/. Disponível em: https://ijmri.de/index.php/jmsi/article/view/4902. Acesso em: 30 apr. 2026.