Ukenna, S., M. C. Olise, V. C. Chibuike, C. Anionwu, N. N. Igwe, and I. E. Okoli. “Drivers of Bank Loyalty Among Students in Nigeria: Positing the 12-Point Student Customer Bank Loyalty Index Model”. American Journal of Business and Management, vol. 1, no. 3, Sept. 2012, pp. 172-6, doi:10.11634/21679606170685.