ANNAMALAI, S.; KUO , W. S.; OMAR, A. C.; YUSOF, N.; MUIN, M. A. A. SCAI: USER ACCEPTANCE OF A SHARIAH-COMPLIANT CONVERSATIONAL AGENT FOR PROMOTING ISLAMIC FINANCIAL LITERACY AMONG MARGINALIZED COMMUNITIES. JOURNAL INFORMATION AND TECHNOLOGY MANAGEMENT (JISTM), [S. l.], v. 11, n. 44, p. 783–799, 2026. DOI: 10.35631/JISTM.1144047. Disponível em: https://gaexcellence.com/jistm/article/view/8813. Acesso em: 3 oct. 2026.