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“BEHAVIOURAL ANALYTICS IN CONSUMER CREDIT USAGE: A STUDY OF DEBT ACCUMULATION PATTERNS AMONG ACADEMIC STAFF IN SELECTED UNIVERSITIES IN SOUTH EAST NIGERIA”, JOGA, vol. 11, no. 1, pp. 46 – 63., Mar. 2025, Accessed: Jun. 24, 2026. [Online]. Available: https://journals.unizik.edu.ng/joga/article/view/5624