PANDEY, Ashish; VERMA, Dr. Pushpendra Kumar. A Strategic Framework For Blockchain Adoption In Indian Retail Banking: An Integrated TOE–UTAUT Conceptual Perspective. International Journal of Artificial Intelligence and Machine Learning, [S. l.], v. 6, n. 7s, p. 968–983, 2026. DOI: 10.51483/IJAIML.6.7s.2026.968-983. Disponível em: https://www.svedbergopen.com/index.php/ijaiml/article/view/1142. Acesso em: 13 sep. 2026.