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In a similar line, ATMs are standardized, and their hardware parts are not developed by the banks themselves at all. It can explain why ATM development does not significantly affect a bank’s market share, despite the fact that ATMs decrease service prices and improve accessibility . Table4 demonstrates the means, standard deviations, and correlations for all variables used in this study. We calculated the Pearson correlation coefficients using SPSS software to estimate the general pattern of relationships between the variables and to check the probability of multicollinearity among them. Al Baraka Bank offers tailor made Shariah compliant products and solutions to exporters and importers who require Islamic financing to cater the diverse and unique needs of their businesses. We have a wide range of products and services that not only fulfill the demands of importers and exporters but through the International Network of Al Baraka Banking Group, various services and facilities are av