Stojanović, M., A. Veličković, J. Vukčević, and P. Mitić. “EFFICIENCY OF DIGITAL COMMUNICATION CHANNELS IN OFFERING BANKING LOANS: EMPIRICAL ANALYSIS IN THE NIŠAVA DISTRICT: DOI: 10.5937/Etp2401038S”. Ekonomija - Teorija I Praksa, vol. 17, no. 1, Mar. 2024, pp. 38-58, https://casopis.fimek.edu.rs/index.php/etp/article/view/279.