YAHAYA, S. N.; BAKAR, M. H. THE CRITICAL FACTORS INFLUENCING CONSUMER SPENDING BY USING CREDIT CARD. Journal of Technology Management and Technopreneurship (JTMT), [S. l.], v. 8, n. 1, p. 117–128, 2020. Disponível em: https://jtmt.utem.edu.my/jtmt/article/view/6026. Acesso em: 19 jul. 2024.