Sarker, D.K., Sarker, B.K., Shaha, S.R., Sarker, S. and Borddin, A. 2025. Digital banking’s effect on the banking industry & system transformation. Annals of Management and Organization Research. 6, 4 (May 2025), 371–384. DOI:https://doi.org/10.35912/amor.v6i4.2644.