00812nam a22001817a 4500003000200000005001700002008004100019050002100060100002900081245018300110260007100293300002700364500004000391504005600431650005200487650003700539650005400576020250204172244.0250204b        xxu||||| |||| 00| 0 eng d  aHD 45b.G88 2023  aGutierrez, Gerandezza S.  aThe influence of digital transformation and competencies on customer experience of universal banks in Muntinlupa Citybbasis for the strategic framework.cGerandezza S. Gutierrez  aLas Pinas CitybSouthville International School and Collegesc2023  a ii, 202 pages;c28cm.  aMasters in Business Administration.  aIncludes bibliographical references and appendices.  aBanking Digital Transformation – Philippines.  aStrategic Management in Banking.  aTechnological Competencies in Financial Services.