Deepa Garg and Dr. Shalini Singh 2024. Impact of Digital Payment System on the Efficiency of the Indian banking sector. Journal of the Oriental Institute, ISSN:0030-5324 UGC CARE Group 1. 73, 4 (Nov. 2024), 12–20. DOI:https://doi.org/10.8224/journaloi.v73i4.387.