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introduction content need importance statistics grsphs tables steps advantages and disadvantages need and practices bibliography changes method satyam-maytas impact factors advantages limitations examples defination functions advantages disadvantages importance regulations types difference examples tools intrested parties analysis need detailed info on merger effects benefits best practices concept recruitment digital banking advantages and disadvantages of digital banking channels of digital banking financial statements ratio analysis comparitive statements commonsize statements cashflow statements trend analysis fundsflow statement startup india standup india startups standups features of crowdfunding applications benefits ref merger pros and cons of sbi merger sbi merger aquisition reasons and ways to merger types of merger types hris some companies examples trends failures criticism liberalization