Hanafi, Siti Nurul Izzati Mohd, Suharni Bt. Maulan, and Siti Ngayesah Ab. Hamid. 2020. “Service Quality of Islamic Banks: A Cultural Perspective”. International Journal of Islamic Banking and Finance Research 4 (2), 11-21. https://doi.org/10.46281/ijibfr.v4i2.685.