Dr Ravi Kant Sharma, Dr Shailendra Kumar Srivastava, Dr. Rashi Mittal, Dr Ajay Sharma, Dr Pramod Kumar Srivastava. 2020. “Indian Banking Merger 2019 & Business Orientations and Implications on Indian Banks and Performances – Water Solutions & Predictive Efficiency Mapping Approach – 2030 – A Case Study”. International Journal of Advanced Science and Technology 29 (05), 5901 -13. http://sersc.org/journals/index.php/IJAST/article/view/15564.