Dr. Kamal Dhirubhai Patel, and Dr Vikram C Dongre. “Financial Technology (FinTech) and Its Role in Modern Banking”. International Journal of Management Science and Business Conclave (IJMSABC) 2, no. 2 (April 5, 2026): 1–7. Accessed October 14, 2026. https://www.ijmsabc.com/index.php/files/article/view/10.