Azam, SM Ferdous

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Abdullah, Moha Asri, Manaf, Noor Hazilah Abd, Ahsan, Mohammad kamrul and Azam, SM Ferdous (2014) Service Quality and Consumer Perception on Retail Banking Facilities and Employees’ Courtesy in Malaysia and New Zealand. European Journal of Social Sciences Education and Research, 1 (1). 70 - 80. ISSN 2411-9563