“Analyzing Distinct Attributes of Shifts in Customer Behavior within the Banking Services Sector” (2024) American Journal of Public Diplomacy and International Studies (2993-2157), 2(3), pp. 317–327. Available at: https://grnjournal.us.e-scholar.org/index.php/AJPDIS/article/view/3897 (Accessed: 27 January 2026).