You can take a look at our coauthored paper on Banking NPAs (Mallick, Sarkar, Roy, Duttachaudhuri & Chakrabarti (2010) which has been published in Journal of Asset Management and also in Nature.com and my paper on Genetic Econophysics titled The Ministry of Finance (1990/2017) on www.researchgate.net/profiles/Soumitra_Mallick, which analyses the field of Digital Banking by analysing the impact of financial and information technology on Financial Performance by implicitly developing the "jump quantum conductance" technology developed by us (Mallick, Hamburger & Mallick (2016, 2017)) as solution to the P vs. NP problem of mathematical-statistical financial market meanfields - hence field theory which are one of the Millenium Maths. problems we have solved (Mallick et. al. (2016)). I hope it helps you in your research.
Soumitra K. Mallick
Soumitra K. Mallick, Nick Hamburger, Sandipan Mallick