Fuzzy soft graphs are effective mathematical tools that are used to model the vagueness of the real world. A fuzzy soft graph is a fusion of the fuzzy soft set and the graph model and is widely used across different fields. In this current research, the concept of picture fuzzy soft graphs is presented by combining the theory of picture soft sets with graphs. The introduction of this new picture fuzzy soft graphs is an emerging concept that can be rather developed into various graph theoretical concepts. Since soft sets are most usable in real-life applications, the newly combined concepts of the picture and fuzzy soft sets will lead to many possible applications in the fuzzy set theoretical area by adding extra fuzziness in analyzing. The notions of picture soft graphs, strong and complete picture soft fuzzy graphs, a few types of product picture fuzzy soft graphs, and regular, totally regular picture fuzzy soft graphs are discussed and validated using real-world scenarios. In addition, an application of decision-making for medical diagnosis in the current COVID scenario using the picture fuzzy soft graph has been illustrated.

Online Banking has received a boost during Covid 19. It is believed that the cultured sector of the population has quickly adopted online banking since the outbreak of the virus. Online banking not only provides a platform for performing financial transactions but also acts as a medium of communication between the bank and the customer. Unlike rest of the world, perception of online banking came slightly late in the Kingdom of Bhutan, which already had a good network of banking access points for its populace, enabling the physical banking. However, due to lockdown observed in the aftermath of Covid-19, the online banking has established development in the country. In the present study, the researchers have confidence in that if the customer satisfaction can be ensured amongst the existing users of the online banking, then they will become dependable to such platform and would continue even in the post Covid-19 time. This study is imperative as the banking system of Bhutan has spent a significant number of resources in obtaining and implementing the online banking system, and sustainability of the system will be a point of concern for the decision makers.