KANCHAN SHAKYA; MRAGANK SHAKYAWAR. Fin Tech Adoption and Its Impact on Service Efficiency in Banking and Insurance. International Journal of Engineering Science & Humanities, [S. l.], v. 15, n. 4, p. 842–858, 2025. Disponível em: https://www.ijesh.com/j/article/view/684. Acesso em: 15 may. 2026.