Dr. Javed Iqbal Tramboo. “ FINTECH AND FINANCIAL INCLUSION IN INDIA: ASSESSING THE DIGITAL TRANSFORMATION OF THE INDIAN FINANCIAL SYSTEM ”. Bulletin of Engineering Science, Technology and Industry, vol. 4, no. 1, Mar. 2026, pp. 1937-44, https://bestijournal.org/index.php/go/article/view/228.