Abdullah, M. A., Manaf, N. H. A. ., Ahsan, K. ., & Azam, S. F. . (2022). Service Quality and Consumer Perception on Retail Banking Facilities and Employees’ Courtesy in Malaysia and New Zealand. European Journal of Social Science Education and Research, 9(2), 59–74. https://doi.org/10.26417/ejser.v1i1.p71-80