BRANCHLESS BANKING ACTIVITIES ON RURAL AREAS – IRREGULARITIES IN RELATIONS WITH CLIENTS Journal title: Roczniki Naukowe Stowarzyszenia Ekonomistów Rolnictwa i Agrobiznesu Authors: Ktut Silvanita Mangani, Bustanul Arifin, Marta Idasz-Balina, Sławomir Juszczyk, Yusman Syaukat Subject(s):