Saeed, Tariq. “Knowledge Management, Innovation, Technology and Direct Marketing As Antecedents of Data Mining: The Mediating Role of Direct Marketing in Saudi Banking Sector”. International Journal of Psychosocial Rehabilitation 24, no. 2 (April 30, 2020): 6085–6102. Accessed June 13, 2025. https://www.psychosocial.com/index.php/ijpr/article/view/2486.