Mr. Mohan D, Dr. Venkatesha B M (2026) “RESPONSIBLE BANKING PRACTICES AND FINANCIAL INCLUSION: AN EMPIRICAL STUDY OF RURAL AND SEMI-URBAN AREAS IN CHIKKAMAGALURU AND HASSAN DISTRICTS OF KARNATAKA”, International Journal of Data Science and IoT Management System, 5(4), pp. 279–285. doi:10.5281/zenodo.24159003.