Sapkota, N., N. Paudel, D. K. Subedi, R. Bhattarai, and R. Shrestha. “Role of Information Communication Technology (ICT) in Nepalese Banking Industry”. American Scientific Research Journal for Engineering, Technology, and Sciences, vol. 42, no. 1, Apr. 2018, pp. 75-88, https://asrjetsjournal.org/index.php/American_Scientific_Journal/article/view/4025.