M.Hassnain Ali, M. Sufyan Afzal, and Numan Majeed, “The Impact of Marketing Innovation, Payment Flexibility, and Customer Trust on Brand Advocacy in Retail Banking”, IJMCP, vol. 1, no. 1, p. 39, Dec. 2024, Accessed: Aug. 30, 2025. [Online]. Available: https://www.ijmcp.com/index.php/ijmcp/article/view/145