“An Empirical Evaluation of the Effect of Service Encounter on Customer Voluntary Behavior: Exploration Study of (TBI) Customers”. Journal of Economics and Administrative Sciences 19, no. 70 (March 1, 2013): 124. Accessed November 28, 2024. https://jeasiq.uobaghdad.edu.iq/index.php/JEASIQ/article/view/825.