The Convergence Paradox: Technology Adoption and Competitive Dynamics Across Public Sector, Private Sector, and Fintech Banking in India. International Journal of Latest Technology in Engineering Management & Applied Science, [S. l.], v. 15, n. 4, p. 776–783, 2026. DOI: 10.51583/IJLTEMAS.2026.150400071. Disponível em: https://www.ijltemas.in/submission/online/article/view/4597.. Acesso em: 14 may. 2026.