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Mutyala, Sridurga and Murugesan, D (2026) Banking 5.0: AI-Driven Fintech Solutions for Bridging the Digital Divide in India. REST Journal on Banking Accounting and Business, 5 (2). pp. 23-28. ISSN 2583-4746

Mutyala, Sridurga and Murugesan, D (2025) Digital Finance for All: Mobile Banking’s Role in Advancing Financial Inclusion. International Journal of Current Research and Academic Review, 13 (S7). pp. 621-628. ISSN 2347-3215

Mutyala, Sridurga and Murugesan, D (2025) DIGITAL ACCESS, MOBILE BANKING SERVICES, AND FINANCIAL EMPOWERMENT: INSIGHTS FROM A SURVEY OF URBAN YOUTH IN INDIA. RESEARCH EXPLORER, 14 (49). pp. 37-41. ISSN 2349-1647

Mutyala, Sridurga and Murugesan, D (2025) Socio-Economic Determinants of Digital Financial Service Adoption in India: Insights from a Quantitative Study. In: INTERNATIONAL CONFERENCE PROCEEDINGS ON EMERGING TRENDS IN MULTIDISCIPLINARY RESEARCH AND TECHNOLOGY, 18-08-2025, Chennai.