J. Lama and M. Kayestha, “From Swipe to Stay: How Digital Banking Service Quality Drives Customer Retention through Customer Satisfaction ”, J. Innov. Acad., vol. 4, no. 1, pp. 135–163, Jul. 2025, Accessed: Jul. 19, 2026. [Online]. Available: https://www.nepjol.info/index.php/idjina/article/view/82264