Shweta Vyas, Anupam Pareek, Indrajit Ghosal. “A Comprehensive Study: How Digital Transformation Is Reshaping Banking Services”. European Economic Letters (EEL) 14, no. 2 (May 7, 2024): 877–883. Accessed March 13, 2026. https://eelet.org.uk/index.php/journal/article/view/1415.