et. al., Dr. C. B. Pavithra,. “FACTORS AFFECTING CUSTOMERS’ PERCEPTION TOWARDS DIGITAL BANKING SERVICES”. Turkish Journal of Computer and Mathematics Education (TURCOMAT) 12, no. 11 (May 10, 2021): 1608–1614. Accessed August 31, 2025. https://turcomat.org/index.php/turkbilmat/article/view/6091.