Oloveze , A. ., Oteh, O., Aniuga, C., Victoria, O., Chukwuoyims, K., & Anyalor, M. (2026). Do customers really matter in open banking model? User behavior and adoption determinants. Eurasian Journal of Management & Social Sciences - Open Access, 6(2), 31-42. https://doi.org/10.23918/ejmss.V6i2p31