TAYADE MAMTA MANOHAR, DR. NIDHI GOENKA. Digital Transformation, Resource Utilization, and Banking Efficiency: Evidence from India’s Private Banking Sector. International Journal of Engineering Science & Humanities, [S. l.], v. 16, n. 1, p. 1073–1089, 2026. Disponível em: https://ijesh.com/j/article/view/1003. Acesso em: 16 oct. 2026.