Samar, Nur Syafatul Aqilla, Shafinar Ismail, and Nur Hayati Abd Rahman. “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, no. 28 (June 4, 2026): 50–69. Accessed June 7, 2026. https://gaexcellence.com/aijbes/article/view/7583.