Oloveze , Ambrose, Ogbonnaya Oteh, Chukwuma Aniuga, Onya Victoria, Kevin Chukwuoyims, and Maureen Anyalor. “Do Customers Really Matter in Open Banking Model? User Behavior and Adoption Determinants”. Eurasian Journal of Management & Social Sciences - Open Access 6, no. 2 (February 22, 2026): 31–42. Accessed May 8, 2026. https://ejmss.tiu.edu.iq/index.php/ejmss/article/view/151.