Bidari, D., Upadhyaya, S. P., Sigdel, N., Sapkota, R. B. and Dahal, K. P. (2023) “Assessing the Effectiveness of Mobile Banking Services Offered by Co-operatives in Nepal”, International Research Journal of MMC, 4(4), pp. 97–108. doi: 10.3126/irjmmc.v4i4.61995.