STOJANOVIĆ, M.; VELIČKOVIĆ, A.; VUKČEVIĆ, J.; MITIĆ, P. EFFICIENCY OF DIGITAL COMMUNICATION CHANNELS IN OFFERING BANKING LOANS: EMPIRICAL ANALYSIS IN THE NIŠAVA DISTRICT: DOI: 10.5937/etp2401038S. Ekonomija - teorija i praksa, [S. l.], v. 17, n. 1, p. 38–58, 2024. Disponível em: https://casopis.fimek.edu.rs/index.php/etp/article/view/279. Acesso em: 17 jan. 2026.