Vodenska, I. . (2015) “Ubiquitous Technology-Enhanced Learning of Complex Financial Concepts: Pedagogy Improvement in Face-to-Face and Online Teaching Environments”, International Journal of Learning, Teaching and Educational Research, 14(2), pp. 17–27. Available at: http://www.ijlter.net/index.php/ijlter/article/view/985 (Accessed: 9 June 2026).