Joshi, A., S. Saxena, and J. Vidani. “Decoding the Digital Banking Horizon: Exploring the Dynamics With Bank of Baroda As the Focal Point”. International Journal of Social Science and Innovation (IJSSI), vol. 1, no. 1, Mar. 2024, pp. 13-26, doi:10.59890/ijssi.v1i1.1498.