KIRAN, F. ., D. N. B. . IBRAHIM, and P. M. D. A. B. . SHAHARUDDIN. “Determinants of Switching Barriers Among Oman’s Retail Banking Consumers”. The Journal of Contemporary Issues in Business and Government, vol. 27, no. 3, June 2021, pp. 2734-43, https://cibgp.com/au/index.php/1323-6903/article/view/1884.