N. M. Nordin, N. A. Chek Talib, N. N. Hasbullah, H. Harun, S. H. Mastor, and F. A. Ramly, “Understanding Customer Intention to Use E-Payment for Online Shopping”, IMBR, vol. 15, no. 3(I), pp. 341–346, Oct. 2023, doi: 10.22610/imbr.v15i3(I).3544.