Yahaya, Siti Norbaya, and Mohd Hafiz Bakar. 2020. “THE CRITICAL FACTORS INFLUENCING CONSUMER SPENDING BY USING CREDIT CARD”. Journal of Technology Management and Technopreneurship (JTMT) 8 (1):117-28. https://jtmt.utem.edu.my/jtmt/article/view/6026.