“‘STRATEGIC INTENT AND BANK PERFORMANCE: DOES INNOVATION MATTER IN THE CONTEXT OF RURAL BANKS?’”. Lex localis - Journal of Local Self-Government 23, no. S5 (August 12, 2025): 2769–2786. Accessed October 10, 2025. http://lex-localis.org/index.php/LexLocalis/article/view/801654.