@misc{Zimková_Emília_The_2017, author={Zimková, Emília}, copyright={Wyższa Szkoła Bankowa w Poznaniu}, address={Poznań}, howpublished={online}, year={2017}, publisher={Wydawnictwo Wyższej Szkoły Bankowej w Poznaniu}, type={artykuł}, title={The Pros and Cons of Technological Innovations in Financial Services}, keywords={behavioral economics, technological innovation, instrumental values, ceremonial values, cryptocurrency, mobile payments, open application programming interfaces}, }