Bhatt, Nityesh, Ritesh Patel, and Amandeep Kaur. “A Study of ICT Adoption and Its Impact on Selected MFIs of Gujarat”. Indian Journal of Finance 14, no. 2 (February 29, 2020): 7–20. Accessed January 18, 2026. https://indianjournaloffinance.co.in/index.php/IJF/article/view/150553.