“AN INVESTIGATION OF FINANCIAL INSTITUTIONS IMPLEMENTATION OF ELECTRONIC BANKING APPLICATIONS, SERVICE DELIVERY AND CUSTOMER’S PERCEPTIONS: A CRITICAL EVALUATION OF TIER 1 BANKS IN NIGERIA”., IDPR, vol. 23, no. 2, pp. 999–1019, Oct. 2024, Accessed: Nov. 16, 2025. [Online]. Available: https://idpr.org.uk/index.php/idpr/article/view/184