Shah, Kruti, and K.D. Naik. “A STUDY ON THE ACCEPTANCE OF DIFFERENT FORMS OF ELECTRONIC BANKING IN INDIA: CHALLENGES AND OPPORTUNITIES”. International Journal of Research -GRANTHAALAYAH 3, no. 7 (July 31, 2015): 12–22. Accessed September 12, 2025. https://granthaalayahpublication.org/journals/granthaalayah/article/view/IJRG15_B07_30.