R. M. Tarmizi, S. N. M. Zain, I. D. M. Izwan, and N. ‘Athirah Shahrin, “FINANCIAL TECHNOLOGY, NON PERFORMING LOAN RATIO, BANK SIZE ON BANK STABILITY: EVIDENCE FROM MALAYSIAN LISTED BANKS”, AIJBES, vol. 8, no. 29, pp. 1345–1354, Sep. 2026.