“IMPACT OF INFORMATION COMMUNICATION AND TECHNOLOGY (ICT) IN INDIAN BANAKING INDUSTRY - A STUDY ON EMERGING TRENDS IN BANKING, INSURANCE AND TOURISM” (2020) INTERNATIONAL JOURNAL OF MANAGEMENT RESEARCH AND REVIEW, 10(3), pp. 08–16. Available at: https://ijmrr.com/index.php/ijmrr/article/view/505 (Accessed: 8 December 2025).