Mahmud, Sifat. 2026. “Connecting With Consumers Can Lead to Successful Business in Retail Banking: A Mixed-Methods Study of Customer Service Elements, Service Excellence, Satisfaction, and Business Outcomes in the U.S Retail Banking”. American Journal of Financial Technology and Innovation 4 (1): 125-37. https://doi.org/10.54536/ajfti.v4i1.7569.