Divyajyoti Das Dr. B.C.M. Patnaik Dr.Ipseeta Satpathy. “Factors Affecting Digital Banking Adoption: A Review of Literature”. Journal of the Oriental Institute, ISSN:0030-5324 UGC CARE Group 1 73, no. 2 (August 9, 2024): 592–616. Accessed November 22, 2024. https://journaloi.com/index.php/JOI/article/view/170.