N. H. Nik Azman, N. A. I. Mokhtar, M. R. . Abd Rashid, J. S. Safian, A. F. Ahmad Shaarani, and A. Arshad, “PROFILES OF DIGITAL PAYMENT ADOPTION AMONG AR-RAHNU CO-OPERATIVE CUSTOMERS IN MALAYSIA”, LJMS, vol. 19, no. 1, pp. 68–83, Jun. 2025.