Samar, N. S. A., Ismail, S., & Abd Rahman, N. H. (2026). WHAT DRIVES E-WALLET ACCEPTANCE AMONG MALAYSIA’S LOW-INCOME GROUPS? A MEDIATED UTAUT MODEL. ADVANCED INTERNATIONAL JOURNAL OF BUSINESS, ENTREPRENEURSHIP AND SME’S (AIJBES), 8(28), 50–69. https://doi.org/10.35631/AIJBES.828003