N.Ravi Vardhan, Dr.E.Nirupama. “ARTIFICIAL INTELLIGENCE – DRIVEN INNOVATION IN SUSTAINABLE BANKING: A COMPARATIVE STUDY OF STATE, PUBLIC SECTOR AND PRIVATE SECTOR BANKS IN INDIA”. American Journal of AI Cyber Computing Management 6, no. 3 (July 30, 2026): 454–465. Accessed August 1, 2026. https://ajaccm.com/journal/index.php/ajaccm/article/view/805.