Kukman, Tomaž; Gričar, Sergej - In: FinTech 4 (2025) 1, pp. 1-19
foundational innovation in financial services. The paper examines critical milestones in blockchain, including Bitcoin, Ethereum … efficiency. Since the emergence of blockchain alongside Bitcoin in 2008, its decentralised and transparent nature has … findings underscore blockchain's ability to drive innovation in financial services while addressing security, efficiency, and …