1. * F DEVRİM, Aİ ÖZPENÇE - 4. KOBİ'ler ve Verimlilik Kongresi - openaccess.iku.edu.tr
2. *https://s3.amazonaws.com/academia.edu.documents/55851881/07-MUSTAFA_YAGCI.pdf?response-content-disposition=inline%3B%20filename%3DYukselen_Finansal_Teknolojilerin_Ekonomi.pdf&X-Amz-Algorithm
3. * http://www.eticaretraporu.org/wp-content/uploads/2017/04/TUSIAD_E-Ticaret_Raporu_2017.pdf
4. *https://developer.kuveytturk.com.tr/
5. *https://apiportal.yapikredi.com.tr/