Prof. Dr.R.Ramachandran, and Veeranna Ameda. “Digital Technology Usage and Demographic Impacts on Using FinTech Products of Banking Sector”. Educational Administration: Theory and Practice 30, no. 1 (January 24, 2024): 7422–7429. Accessed September 26, 2025. https://www.kuey.net/index.php/kuey/article/view/10607.