Nik Azman, Nik Hadiyan, Nur Afifah Izzati Mokhtar, Mohamad Rasydi Abd Rashid, Ju Samsuddin Safian, Ahmad Faizal Ahmad Shaarani, and Asha’ari Arshad. “PROFILES OF DIGITAL PAYMENT ADOPTION AMONG AR-RAHNU CO-OPERATIVE CUSTOMERS IN MALAYSIA”. Labuan e-Journal of Muamalat and Society (LJMS) 19, no. 1 (June 1, 2025): 68–83. Accessed July 25, 2025. https://jurcon.ums.edu.my/ojums/index.php/LJMS/article/view/6177.