Dr Ravi Kant Sharma, Dr Shailendra Kumar Srivastava, Dr. Rashi Mittal, Dr Ajay Sharma, Dr Pramod Kumar Srivastava, “Indian banking merger 2019 & Business orientations and implications on Indian banks and performances – Water solutions & Predictive efficiency mapping approach – 2030 – A case study”, IJAST, vol. 29, no. 05, pp. 5901 - 5913, May 2020.