@incollection{,
	
					
					
					EA2ECB1D9BAA98DD5B46F398B4A15847
				,
	author={{Dr. AdamuM.O.} and {University of Lagos}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}1238388
}

@incollection{b0,
	
	
		,
	title={{Customer Preferences for financial Services: An Analysis}}
		,
	author={{
			WLBoyd
		} and {
			MLeonard
		} and {
			CWhite
		}}
		
		
	
	
		,
	journal={{International Journal of Bank Marketing}}
		
			12
			1
			
			,
	year={1994}
		
	

}

@incollection{b1,
	
	
		,
	title={{Competitive Strategies in Banking Services-Implications of Segmentation Analysis of Consumers by Age Groups}}
		,
	author={{
			AHClarkson
		} and {
			MAStone
		} and {
			MJSteele
		}}
		
		
	
	
		,
	journal={{International Journal of Service Industry Management}}
		
			1
			2
			
			,
	year={1990}
		
	

}

@incollection{b2,
	
	
		,
	title={{Conjoint measurement for quantifying judgemental data}}
		,
	author={{
			PGreen
		} and {
			VRao
		}}
		
	
	
		,
	journal={{Journal of Marketing Resources}}
		
			8
			
			,
	year={1971}
		
	

}

@incollection{b3,
	
	
		,
	title={{The Relationship between Culture and Service Quality Perceptions: Basis for Cross-Culture Market Segmentation and Resource allocation}}
		,
	author={{
			OFurrer
		} and {
			BSLiu
		} and {
			DSudharshan
		}}
		
		
	
	
		,
	journal={{Journal of Service Research}}
		
			2
			4
			
			,
	year={2000}
		
	

}

@incollection{b4,
	
	
		,
	title={{Commercial Bank Selection in Turkey}}
		,
	author={{
			EKaynak
		} and {
			OKucukemiroglu
		} and {
			YOdabasi
		}}
		
		
	
	
		,
	journal={{International Journal of Banking Marketing}}
		
			9
			4
			
			,
	year={1991}
		
	

}

@incollection{b5,
	
	
		,
	title={{The Transformation of Banking and its Impact on Consumers and Small Businesses}}
		,
	author={{
			WRKeeton
		}}
	
	
		,
	journal={{Economic Review}}
		
			1
			
			,
	year={2001}
		
	

}

@book{b6,
	
	
		,
	title={{Advertising Strategies for Service Firms}}
		,
	author={{
			DLegg
		} and {
			JBaker
		}}
		
		,
	editor={Lovelock, C.H. Services Marketing}
		
			,
	year={1996}
			,
	publisher={Prentice Hill}
			,
	address={Englewood Cliffs, NJ}
		
	

}

@incollection{b7,
	
	
		,
	title={{Simultaneous Conjoint Measurement: A New Type of Fundamental Measurements}}
		,
	author={{
			RDLuce
		} and {
			JWTukey
		}}
		
	
	
		,
	journal={{Journal of Mathematical Psychology}}
		
			1
			
			,
	year={1964}
		
	

}

@book{b8,
	
	
		,
	author={{
			CHLovelock
		}}
		,
	title={{Services Marketing}}
				Upper Saddle River, NJ
		
			,
	publisher={Prentice Hall}
			,
	year={1996}
		
	

}

@incollection{b9,
	
	
		,
	title={{Segmentation of bank customers by expected benefits and attitudes}}
		,
	author={{
			AMachauer
		} and {
			SMorgner
		}}
		
	
	
		,
	journal={{International Journal of Bank Marketing}}
		
			19
			1
			
			,
	year={2001}
		
	

}

@incollection{b10,
	
	
		,
	title={{How Ethnicity Influences Service Expectations: A Canadian Perspective}}
		,
	author={{
			KSnow
		} and {
			HBartel
		} and {
			TCullen
		}}
		
		
	
	
		,
	journal={{Managing Service Quality}}
		
			6
			6
			
			,
	year={1996}
		
	

}

@incollection{b11,
	
	
		,
	title={{Tangibility in Services Advertising: An Investigation of Verbal versus Visual Cues}}
		,
	author={{
			MRStafford
		}}
	
	
		,
	journal={{Journal of Advertising}}
		
			25
			
			,
	year={1996}
		
	

}

@book{b12,
	
	
		,
	author={{
			VAZeithaml
		} and {
			MJBitner
		}}
		
		,
	title={{Services Marketing}}
				New York and London
		
			,
	publisher={McGraw Hill}
			,
	year={1996}
		
	

}