Dr. Nageswara Rao Thadvuai , Prof. (Dr.) Krishna Gadasandula , Mr. Belaynew Ayalew, and Dr. Anitha Lourdu James, Dr. Mohamed Zaheeruddin. “The Effect of Online Banking on Ethiopia’s Commercial Banks’ Bottom Lines”. European Economic Letters (EEL) 13, no. 5 (December 25, 2023): 1506–1527. Accessed September 21, 2025. https://www.eelet.org.uk/index.php/journal/article/view/935.