@book { FactorsAffectingCustomersDecisionstoBuyRetailBankingServices,
    title = "Factors Affecting Customers’ Decisions to Buy Retail Banking Services",
    author = "Hadia H. {Abdel Aziz}",
    year = "2021",
    publisher = "Peter Lang Verlag",
    address = "Berlin, Germany",
    url = "https://www.peterlang.com/document/1105248"
}