Abdul Aziz MR, Emran ARK, Mohamed Kamal MS, Pishal NA, Syahiran NA, Hisham QDS. The Nexus between Operational Failure and Mobile Banking Usage in Malaysia: A Conceptual Framework. IMBR. 2025;17(2(I)S):523-530. doi:10.22610/imbr.v17i2(I)S.4580