Moderating Influence of Information Technology Capability on Physical Evidence and Customer Patronage Of Banks In Nigeria. International Journal of Scientific Research and Management (IJSRM), [S. l.], v. 2, n. 9, 2017. Disponível em: https://www.ijsrm.net/index.php/ijsrm/article/view/1094. Acesso em: 5 sep. 2025.