Roseli, N. H. M., N. H. N. Azhar, M. K. Sauid, Z. Hasan, and Y. Othman. “FACTORS INFLUENCING CONSUMERS’ PERCEPTION TOWARDS MOBILE PAYMENT USAGE IN MALAYSIA”. International Journal of Small and Medium Enterprises, Vol. 4, no. 1, Nov. 2021, pp. 26-34, doi:10.46281/ijsmes.v4i1.1472.