Srinivas, Vijayalakshmi, and Ruski Mahal. “Digital Transformation: The Next Big Leap in Microfinance”. PARIDNYA- The MIBM Research Journal 5, no. 1 (September 1, 2017): 47–56. Accessed October 12, 2026. https://paridnya.informaticsglobal.ai/index.php/PARIDNYA/article/view/118550.