Adhikari, Sarita, and Radhe Shyam Pradhan. “Effect of Innovation and Technology on Productivity and Profitability in Nepalese Commercial Banks”. Nepalese Journal of Business 11, no. 3 (December 31, 2024): 1–16. Accessed December 8, 2025. https://www.nepjol.info/index.php/njb2/article/view/79274.