FinTech Collaborations and Bank Operational Efficiency:Empirical Evidence from Indian Commercial Banks. International Academic Research Journal of Economics and Finance, [S. l.], v. 9, n. 1, p. 148–161, 2026. DOI: 10.5281/zenodo.19841757. Disponível em: https://www.acrpub.com/index.php/IARJEF/article/view/336.. Acesso em: 9 may. 2026.