1.

The article has not focused on how commercial banks can

increase income/revenue from alternative sources (other than the
regular banking sources)

2. The article has not focused on the changing behaviour of

alternative sources of revenue of banks
3.In these report the author has not focused on other remaining
sources and its implication in the banking industry
4. The author did not study the business implications of the
changing structure of current deposits.
5.In these article this article has not included on the implication of
poor credit deposit ratio.
6. The article has a gap which says there is lack of capital
adequacy among themselves.
7. This article has not focused on savings and investments of
depositors which increase the source of funds of bank.
8. This author has not focused on how to increase the source of
funds in banks.