Patil, S. B. and Kulkarni, M. (2026) “DIGITAL INNOVATION IN RURAL FINANCIAL INSTITUTIONS: CLOUD BASED SAAS ADOPTION IN KRISHI PATPEDHI SOCIETIES”, ShodhKosh: Journal of Visual and Performing Arts, 7(10s), pp. 229–239. doi: 10.29121/shodhkosh.v7.i10s.2026.8170.