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Edoun, E., Mabisa, J., Mbohwa, C., & Pelser, R. (2014). Application of Total Quality Management (TQM) in the South African Banking Sector: The Case of First National Bank (FNB) in South Africa.
https://ujcontent.uj.ac.za/vital/%20access/services/Download/uj:20171/SOURCE1?view=true

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