Gaikwad, Rajanikant Dilip, and Dr. Mangesh Subhash Phutane. 2025. “Artificial Intelligence in Banking and Financial Services: A Study of AI Applications and Consumer Response in SBI Bank”. International Journal on Research and Development - A Management Review 14 (1):348-52. https://doi.org/10.65521/ijrdmr.v14i1.746.