Shuaibu, Sunusi, Muhammad Kanya Haruna, Ahmed Musa Mohammed, and Shatima Suleiman. 2026. “Perceived Trust, Benefit and Risk As Determinants of Attitude Toward Agency Banking Among Existing Users in Kaduna State, Nigeria”. FUDMA Journal of Accounting and Finance Research [FUJAFR] 4 (4): 1-15. https://doi.org/10.33003/fujafr-2026.v4i4.435.1-15.