Upadhyay, A., and N. Sharma. “CHALLENGES FACED BY INDIAN BANKING SECTOR TOWARDS ORGANIZATIONAL EFFECTIVENESS: A QUALITATIVE INQUIRY”. ShodhKosh: Journal of Visual and Performing Arts, vol. 4, no. 2, Dec. 2023, pp. 1037–1043, doi:10.29121/shodhkosh.v4.i2.2023.2108.