OLOVEZE , Ambrose; OTEH, Ogbonnaya; ANIUGA, Chukwuma; VICTORIA, Onya; CHUKWUOYIMS, Kevin; ANYALOR, Maureen. Do customers really matter in open banking model? User behavior and adoption determinants. Eurasian Journal of Management & Social Sciences - Open Access, [S. l.], v. 6, n. 2, p. 31–42, 2026. DOI: 10.23918/ejmss.V6i2p31. Disponível em: https://ejmss.tiu.edu.iq/index.php/ejmss/article/view/151. Acesso em: 8 may. 2026.