JAYKUMAR G. PARMAR, D. S. K. G. P. R. S.; DR SAMMAIAH BUHUKYA , D. V. P. D. D. T. T. An Empirical Analysis Of Critical Factors For E Commerce Application In Banking Industry. Journal of Informatics Education and Research, [S. l.], v. 4, n. 2, 2024. DOI: 10.52783/jier.v4i2.872. Disponível em: https://jier.org/index.php/journal/article/view/872. Acesso em: 28 feb. 2026.