DR. BIJU JOHN M. Dynamics of Service Quality in the Indian Banking Sector. Indian Journal of Commerce and Management Studies, [S. l.], v. 8, n. 1, p. 59–63, 2017. Disponível em: https://www.ijcms.in/index.php/ijcms/article/view/238. Acesso em: 10 aug. 2025.