Moodithaya, M. S., N. K. Thingalaya, and N. S. Shetty. “Addressing the Issues of Exclusion through Financial Inclusion: The Challenges Ahead”. Nitte Management Review 3, no. 2 (December 1, 2009): 46–67. Accessed May 3, 2024. http://informaticsjournals.com/index.php/nmr/article/view/18537.