發送短信 : Bank selection criterion by tertiary students in Singapore

__    __    ______    _____      ___      ______  
\ \\ / //  /_   _//  /  ___||   / _ \\   /_   _// 
 \ \/ //    -| ||-  | // __    / //\ \\    | ||   
  \  //     _| ||_  | \\_\ || |  ___  ||  _| ||   
   \//     /_____//  \____//  |_||  |_|| /__//    
    `      `-----`    `---`   `-`   `-`  `--`