id	keyword
ejif-4913	banking
ejif-4913	digital
ejif-4913	banks
ejif-4913	services
ejif-4913	islamic
ejif-4913	participatory
ejif-4913	business
ejif-4913	digitalization
ejif-4913	banking services
ejif-4913	customer
ejif-4913	transformation
ejif-4913	finance
ejif-4913	covid-19
ejif-4913	survey
ejif-4913	model
ejif-4913	institutions
ejif-4913	moroccan