Tayade Mamta Manohar, Dr. Nidhi Goenka. “Digital Transformation, Resource Utilization, and Banking Efficiency: Evidence from India’s Private Banking Sector”. International Journal of Engineering Science & Humanities 16, no. 1 (March 18, 2026): 1073–1089. Accessed July 14, 2026. https://www.ijesh.com/j/article/view/1003.