Dr. Uttam Kumar Purbey. “Technological Transformation in Indian Banking Sector: A Conceptual Framework”. JOURNAL OF MANAGEMENT, SCIENCES, OPERATION & STRATEGIES 5, no. 1 (August 19, 2023): 11–19. Accessed September 14, 2025. http://journal.swaranjalipublication.co.in/index.php/JMSOS/article/view/349.