DR. NEERJA ASWALE, DR. SHARDHA THAKUR; DR. SUWARNA VINAY SHIDORE , DR. PRAJAKTA B DESHMUKH; ADITEE HUPARIKAR SHAH. Digital Transformation in Banking: The Role of IoT in Driving Efficiency and Innovation. European Economic Letters (EEL), [S. l.], v. 15, n. 3, p. 2215–2233, 2025. DOI: 10.52783/eel.v15i3.3652. Disponível em: https://www.eelet.org.uk/index.php/journal/article/view/3652. Acesso em: 29 sep. 2025.