Adeoti, J. O.Isiaka, S. B.Adebisi, O. ALawal, A. I.Olawale, Y. A.2021-05-272021-05-27201820(3): 54-69https://uilspace.unilorin.edu.ng/handle/20.500.12484/5425This study seeks to examine Search, Experience and Credence (SEC) factors as determinants of banks’ patronage and its implication on fund mobilization and fund applications for sustainable development in Nigeria. Purposive and convenience sampling techniques were employed to select the sample size of the account holders in the selected banks. Data were collected by use of self-administered questionnaire on a 7-point Likert scale. Findings revealed that Search attributes ranked higher followed by Experience attributes and the Credence attributes in that order. The study concluded that bank customers are highly sensitive to the SEC before making decision about patronage. Therefore, Service Organizations like banks should consider these when developing strategy for customers’ patronage. The paper recommends that banks’ marketers and customer relationship officers should be properly trained on the importance of SEC attributes in order to attract customers for patronage.enCustomer SatisfactionSearch, Experience and Credence attributesCustomer PatronageFund MobilizationFund ApplicationSustainable DevelopmentArticle