Ong, Hway-Boon, Nahariah Jaffar, Voon-Choong Yap, and Mariati Norhashim. “Empirical Analysis of Internet and Mobile Banking in Malaysia”. Asian Economic and Financial Review 13, no. 2 (January 31, 2023): 138–147. Accessed November 23, 2024. https://archive.aessweb.com/index.php/5002/article/view/4717.