Azman, Hartini binti, Cheong Sheau Lih, and Siti Norbaya Yahaya. “Factors Affecting Adoption Of E-Wallet Among Gen Y In Pahang”. Journal of Technology Management and Technopreneurship (JTMT) 9, no. 2 (December 30, 2021): 47–57. Accessed April 19, 2024. https://jtmt.utem.edu.my/jtmt/article/view/6046.