BEHAVIOURAL ANALYTICS IN CONSUMER CREDIT USAGE: A STUDY OF DEBT ACCUMULATION PATTERNS AMONG ACADEMIC STAFF IN SELECTED UNIVERSITIES IN SOUTH EAST NIGERIA. Journal of Global Accounting, [S. l.], v. 11, n. 1, p. 46 – 63., 2025. Disponível em: https://journals.unizik.edu.ng/joga/article/view/5624. Acesso em: 24 jun. 2026.