Susanta Borah, and Dr. Mahesh L. Chaudhary. “A Study On The Impact Of Consumer Risk Perception And Innovativeness On Digital Banking Adoption In India”. Educational Administration: Theory and Practice 30, no. 5 (May 31, 2024): 11889–11896. Accessed December 16, 2025. https://www.kuey.net/index.php/kuey/article/view/5044.