MAHMOOD, S.; IRFAN SABIR, IRFAN S.; SHAHJAHAN MASUD, S. M. The Impact of Digitalization and Value Co-Creation on Customer Loyalty: The Mediating Role of Emotional Engagement in Banking . Journal of Applied Research and Multidisciplinary Studies, v. 6, n. 2, p. 74-91, 4 Dec. 2025.