Jyotsana Singh Bharati and Arpit Garg (2016) “How Useful Is Digital Locker? An Empirical Study in Indian Context”, Indian Journal of Commerce and Management Studies, 7(2(1), pp. 08–13. Available at: https://www.ijcms.in/index.php/ijcms/article/view/315 (Accessed: 15 August 2025).