Asiegbu. Ikechukwu., Adiele, C. Kenneth, , trans. “Moderating Influence of Information Technology Capability on Physical Evidence and Customer Patronage Of Banks In Nigeria”. International Journal of Scientific Research and Management (IJSRM) 2, no. 9 (December 25, 2017). Accessed September 5, 2025. https://www.ijsrm.net/index.php/ijsrm/article/view/1094.