<?xml version="1.0" encoding="UTF-8"?><xml><records><record><source-app name="Biblio" version="7.x">Drupal-Biblio</source-app><ref-type>17</ref-type><contributors><authors><author><style face="normal" font="default" size="100%">Savvakis, Georgios A</style></author><author><style face="normal" font="default" size="100%">Dimitris Kenourgios</style></author><author><style face="normal" font="default" size="100%">Trakadas, Panagiotis</style></author></authors></contributors><titles><title><style face="normal" font="default" size="100%">Digitalization as a driver of European SMEs’ financial performance during COVID-19</style></title><secondary-title><style face="normal" font="default" size="100%">Finance Research Letters</style></secondary-title></titles><dates><year><style  face="normal" font="default" size="100%">2024</style></year></dates><publisher><style face="normal" font="default" size="100%">Elsevier</style></publisher><volume><style face="normal" font="default" size="100%">67</style></volume><pages><style face="normal" font="default" size="100%">105848</style></pages><language><style face="normal" font="default" size="100%">eng</style></language></record></records></xml>