Amri , A. M. Y., Ayub , A. W., Krishnan, D. and Hassan, S. (2026) “EXAMINING PERSPECTIVE ON PAYMENT ECOSYSTEM SERVICES: A CASE STUDY OF MELAKA AMONG GENERATION Z”, JOURNAL OF TOURISM, HOSPITALITY AND ENVIRONMENT MANAGEMENT (JTHEM), 11(43), pp. 305–319. doi: 10.35631/JTHEM.1143019.