Shaw, Vinay Kumar, Sanjib Biswas, and Banhi Guha. “A Modified EATWIOS Framework for Efficiency Assessment: A Case Study on the Banking Sector”. Management Science Advances 3, no. 1 (March 27, 2026): 187–226. Accessed April 16, 2026. https://msa-journal.org/journal/article/view/44.