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Lalitha, B. S. and Ramanarayanan, C. S. (2014) Customer's migration to innovative products and services in Indian retail banks. Zenith-International Journal of Multidisciplinary Research, 4 (4). pp. 1-12. ISSN 2231-5780
Lalitha, B. S. and Ramanarayanan, C. S. (2014) Factors influencing the effectiveness of innovative retail banking products and services in India. International Journal of Research in Computer Application and Management, 4 (12).