MOHD-ZAMERI, S. N.; AZIZ , N. F. A.; ALIAS , F. DOES BANKING MODEL MATTER FOR INTELLECTUAL CAPITAL EFFICIENCY? EVIDENCE FROM ISLAMIC AND CONVENTIONAL BANKS IN DUAL BANKING COUNTRIES. ADVANCED INTERNATIONAL JOURNAL OF BUSINESS, ENTREPRENEURSHIP AND SME’S (AIJBES), [S. l.], v. 8, n. 29, p. 1289–1304, 2026. DOI: 10.35631/AIJBES.829073. Disponível em: https://gaexcellence.com/aijbes/article/view/8443. Acesso em: 9 oct. 2026.