SAXENA, S.; JOSHI, A.; VIDANI, J. Decoding the Digital Transformation: A Comprehensive Study of Digital Banking in India with Emphasis on Punjab National Bank. International Journal of Social Science and Innovation (IJSSI), [S. l.], v. 2, n. 1, p. 1–14, 2024. DOI: 10.59890/ijssi.v2i1.1523. Disponível em: https://journal.multitechpublisher.com/index.php/ijssi/article/view/1523. Acesso em: 24 may. 2026.