AbdulGaniyu, Olowo Ahmed, et al. “Retention Strategy and Customer Loyalty: An Analysis of the Selected 2nd Generation Banks, Ilorin, Nigeria”. Ilorin Journal of Administration and Development, vol. 7, no. 1, June 2023, pp. 123-35, https://ojs.ijad.com.ng/index.php/ijad/article/view/18.