Uppal, R. K. “Transformation in Banks in a Highly Competitive E-Age Through E-Services - An Empirical Study”. Prabandhan: Indian Journal of Management 4, no. 3 (March 1, 2011): 17–30. Accessed December 18, 2025. https://indianjournalofeconomicsandresearch.com/index.php/pijom/article/view/62371.