Financial Technology behind banks and institutional reform science: With Special Emphasis of Case of Bank of Baroda, Vijay Bank and Dena Bank Merger. Journal of Informatics Education and Research, [S. l.], v. 3, n. 2, 2023. DOI: 10.52783/jier.v3i2.103. Disponível em: https://jier.org/index.php/journal/article/view/103. Acesso em: 4 apr. 2026.