Nor Asiah Yaakub, Nathasa Mazna Ramli, Nurul Aini Muhamed, Sumaiyah Abd Aziz, and Agoos Munalis Tahir. “A THEORETICAL FRAMEWORK OF E-WALLET ADOPTION AMONG SMALL-SIZED MUSLIM MERCHANTS: AN APPLICATION AND EXTENSION OF TECHNOLOGY ACCEPTANCE MODEL”. JOURNAL INFORMATION AND TECHNOLOGY MANAGEMENT (JISTM) 8, no. 33 (September 24, 2024). Accessed May 17, 2025. https://gaexcellence.com/jistm/article/view/2737.