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Authors
Pandey, Amit
Chadha, Priyanka
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Article History
Received: 13 September 2025
Revised: 22 December 2025
Accepted: 2 January 2026
First Online: 16 January 2026
Declarations
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: The authors declare no competing interests.
: Ethical approval was not required for this study, as it did not involve any experiments with human participants or animals. The research was based solely on survey responses provided voluntarily by adult banking customers, ensuring anonymity and confidentiality throughout the data collection process.
