N. Joseph and D. J. K. Mung’atu, “Identifying Factors Influencing Selection of Banks by Customers in Rwanda: Principal Components Analysis Approach”, IJSBAR, vol. 39, no. 1, pp. 229–247, Jun. 2018, Accessed: Sep. 18, 2025. [Online]. Available: https://www.gssrr.org/JournalOfBasicAndApplied/article/view/9016