Seneviratne, S.M.C. and Gunawardane, S. 2022. Modernization practices and Operating Models: An Empirical Study on a Retail Bank in Sri Lanka. International Journal of Financial, Accounting, and Management. 4, 2 (Sep. 2022), 183–198. DOI:https://doi.org/10.35912/ijfam.v4i2.865.