Mohd Suki, N., Atrianedi and Mohd Suki, N. 2009. SYARIAH BANKING: CONSUMERS’ EXPECTATION AND PERCEPTION TOWARDS SMS BANKING. Labuan e-Journal of Muamalat and Society (LJMS). 3, (Jun. 2009), 41–48. DOI:https://doi.org/10.51200/ljms.vi.2982.