N. A. Awang Siman, S. Sulaiman, A. Mat Lazim, and Eka Nurmala Sari, “Determinants Of The Intention To Use E-Wallet Among Polytechnic Hulu Terengganu’s Students”, iJTvET, vol. 5, no. 2, pp. 95–103, Oct. 2024, Accessed: Oct. 18, 2025. [Online]. Available: https://journal.pktm.com.my/index.php/ijtvet/article/view/159