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This is to certify that your paper entitled «<span lang="EN">Assessing the Impact of Reward Programs, Service Quality, and Digital Banking Services on Customer Loyalty» was indexed with 18 pages, in the CIVILICA citation database, code COI:JR_JMSMO-3-2_005, after evaluation and approval of the referees of the "Information on Modern Studies in Management & Organization Vol 3, Issue 2 , Year 2026.

While offering our congratulations on the indexation of your paper, please be informed that this certificate is prepared based on the information submitted by the secretariat of the above journal and the information contained in the CIVILICA database, and the accuracy of its content can be inquired at any time through link provided at the bottom of the page or scanning the code image.