Sharifah Zuhaira Syed Mizuri, and Armila Mat Lazim. “Consumer Intention To Adopt Online Banking In Malaysia: A Literature Review”. Jurnal Kejuruteraan, Teknologi and Sains Sosial (JKTSS), vol. 8, no. 1, June 2024, pp. 159-71, https://jktss.puo.edu.my/jurnalpuo/index.php/jurnal/article/view/51.