Mahmood, S., irfan S. Irfan Sabir, and S. M. Shahjahan Masud. “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, Vol. 6, no. 2, Dec. 2025, pp. 74-91, doi:10.32350/jarms.62.04.