ADOPTION AND USAGE FREQUENCY OF DIGITAL BANKING SERVICES AMONG URBAN CONSUMERS IN GUJARAT. International Journal of Management, Public Policy and Research, [S. l.], v. 5, n. 1, p. 14–20, 2026. DOI: 10.55829/bw3zqg13. Disponível em: https://www.ijmpr.org/index.php/IJMPR/article/view/429. Acesso em: 23 mar. 2026.