Archana Dubey, Kailash Kr. Sahu. “Innovations and Challenges in Finance and Banking: The Transformative Role of Digitalization and Artificial Intelligence”. European Economic Letters (EEL) 15, no. 1s (June 17, 2025): 115–119. Accessed September 14, 2025. https://www.eelet.org.uk/index.php/journal/article/view/3287.