Mohd Rashid, Siti Norbaya, et al. “A Conceptual Framework of Navigating Digital Banking: How Gender Impacts Adoption Intentions in Klang Valley”. Information Management and Business Review, vol. 16, no. 3S(I)a, Oct. 2024, pp. 394-01, https://doi.org/10.22610/imbr.v16i3S(I)a.4141.