Ramakrishna Tyapi, Dr. Anil Tiwari. “Digital Banking Adoption and Customer Perception: Evidence from Public and Private Sector Banks in Bagalkot”. International Journal of Advanced Research and Multidisciplinary Trends (IJARMT), vol. 3, no. 1, Mar. 2026, pp. 1173-81, https://www.ijarmt.com/index.php/j/article/view/875.