Ayyaz, Fatima. “The Impact of Digital Transformation on Management Practices: An Empirical Study of the Banking and Financial Sector”. Journal of Business Insight and Innovation 3, no. 2 (December 31, 2024): 26–42. Accessed October 18, 2025. https://insightfuljournals.com/index.php/JBII/article/view/46.