Azman, H. binti (2020) “THE FACTORS THAT AFFECTING CONSUMER INTENTION TO UTILIZE THE ELECTRONIC PAYMENT SYSTEM IN MALAYSIA”, Journal of Technology Management and Technopreneurship (JTMT), 8(1), pp. 129–138. Available at: https://jtmt.utem.edu.my/jtmt/article/view/6027 (Accessed: 21November2024).