Prof. J.K. Sharma, and Doa Naqvi. “DRIVERS OF VALUE CREATION IN THE BANKING SECTOR OF INDIA”. International Journal of Management Studies (IJMS) 4, no. Spl Issue 3 (October 12, 2021): 40–48. Accessed September 17, 2024. https://researchersworld.com/index.php/ijms/article/view/1430.