Dr. Neerja Aswale, Dr. Shardha Thakur, Dr. Suwarna Vinay Shidore , Dr. Prajakta B Deshmukh, and Aditee Huparikar Shah. 2025. “Digital Transformation in Banking: The Role of IoT in Driving Efficiency and Innovation”. European Economic Letters (EEL) 15 (3):2215-33. https://doi.org/10.52783/eel.v15i3.3652.