Surpalsinh Rathod, Neelam Purey. “The Emergence of Neo-Banks: A Disruptive Force in Traditional Banking”. European Economic Letters (EEL) 15, no. 1 (February 5, 2025): 1516–1525. Accessed July 26, 2026. https://www.eelet.org.uk/index.php/journal/article/view/2531.