Keerthy T. R., and Dr. Biju M. K. “Impact of Employee Competency on Job Performance Among Banking Professionals: A Conceptual Framework”. International Journal of Management Studies (IJMS) 5, no. Spl Issue 5 (September 29, 2021): 01–07. Accessed August 9, 2025. https://researchersworld.com/index.php/ijms/article/view/1217.