Sofat, R. and Hiro, P. (2007) “Creativity and Innovations in Retail Banking- A Comparative Analysis of Financial Products Offered by ICICI and HDFC Bank”, Indian Journal of Marketing, 37(9). Available at: https://indianjournalofcomputerscience.com/index.php/ijom/article/view/36450 (Accessed: 19 December 2025).