AZMAN, H. binti. THE FACTORS THAT AFFECTING CONSUMER INTENTION TO UTILIZE THE ELECTRONIC PAYMENT SYSTEM IN MALAYSIA. Journal of Technology Management and Technopreneurship (JTMT), [S. l.], v. 8, n. 1, p. 129–138, 2020. Disponível em: https://jtmt.utem.edu.my/jtmt/article/view/6027. Acesso em: 4 dec. 2023.