Jaywant, B., R. Nayan, G. V. Bhau, K. J. Singh, and J. Bharat. “INDIAN MOBILE BANKING IN POST COVID-19: AN ANALYTICAL STUDY AND GRATIFICATION FROM THE ASPECT OF KANO MODEL”. Indian Journal of Finance and Banking, Vol. 13, no. 1, Feb. 2023, pp. 12-27, doi:10.46281/ijfb.v13i1.1928.