Raval, N. P. . and Mishra, L. . (2024) “Analyzing SBI YONO Business, ICICI InstaBIZ, and HDFC SmartHub Vyapar: A Comprehensive Comparative Study”, Asia-Pacific Journal of Management and Technology (AJMT), 4(3), pp. 1-14. doi: 10.46977/apjmt.2024.v04i03.001.