Dr. Neerja Aswale, Dr. Shardha Thakur, Dr. Suwarna Vinay Shidore , Dr. Prajakta B Deshmukh, and Aditee Huparikar Shah, “Digital Transformation in Banking: The Role of IoT in Driving Efficiency and Innovation”, EEL, vol. 15, no. 3, pp. 2215–2233, Sep. 2025.