Kaczmarczyk, Paweł. “Development of the Usage of E‑services in Households, by Voivodship: A Cluster Analysis”. Acta Universitatis Lodziensis. Folia Oeconomica 3, no. 342 (August 21, 2019): 61–87. Accessed December 6, 2025. https://www.czasopisma.uni.lodz.pl/foe/article/view/3332.