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jagat guru nanak dev punjab state open university patiala 123:Article 123 https:doi org55587 Satsuka A, Kanda Y Yono M, Liou S-Y, Nagai H, Nakanishi A, Yamamoto K, Izumo S Yono Lite SBI is Mobile Banking Smart Phone application for SBI Customers in English, Hindi, Telugu, Tamil, Kannada, Malayalam, Marathi, Gujarati, Punjabi,