JOSHI, Prajwol Raj. Effect of Digital Banking and Digital Transformation on the Efficiency of Nepalese Commercial Banks. Nepalese Journal of Finance, [S. l.], v. 12, n. 3, p. 102–114, 2025. DOI: 10.3126/njf.v12i3.84491. Disponível em: https://nepjol.info/index.php/njf2/article/view/84491. Acesso em: 8 dec. 2025.