M. F. Samat and Z. A. A. Bashri, “Determinants Affecting the Acceptance of Cashless Payment Among SMEs in Malaysia: Proposal of A Conceptual Framework”, IMBR, vol. 16, no. 3(I), pp. 653–660, Sep. 2024, doi: 10.22610/imbr.v16i3(I).4018.