Gurrea, J. and Murcia, J.V. (2025) “Reframing ethical banking: Dimensions of governance and customer perspectives on universal bank practices in the post-pandemic Philippines”, Public Administration and Governance Studies Journal, 1(1), pp. 1–12. Available at: https://jmcfijournals.org/index.php/pagsj/article/view/104 (Accessed: 15 November 2025).