Reaching The Customers: Role Of Multiple Delivery Channels In Banking Industry . Trinity Journal of Management, IT & Media (TJMITM), [S. l.], v. 5, n. 1, p. 12–20, 2014. Disponível em: https://acspublisher.com/journals/index.php/tjmitm/article/view/1302. Acesso em: 30 jan. 2026.