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		<dc:creator><![CDATA[Uduak Effiong]]></dc:creator>
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					<description><![CDATA[EVALUATION OF DIGITAL BANKING AND CUSTOMER BANKING HABIT BEHAVIOR IN NIGERIA Abstract This study evaluated digital banking and its impact on customer banking habit behavior in Nigeria. A cross-sectional survey research design was adopted for this study, with a structured questionnaire used to collect data from a sample of 133 respondents. The data was analyzed using SPSS27 [&#8230;]]]></description>
		
		
		
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