KHALID, K.; OSMAN, N. B.; A RAHMAN, M. K. A.; JOHARI, M. S. An Analysis of Maybank Kuala Terengganu Low E-Payment Adoption among Online Banking Users . Gading Journal for the Social Sciences (e-ISSN 2600-7568), [S. l.], v. 27, n. 1, p. 53–61, 2024. DOI: 10.24191/gading.v27i1.431. Disponível em: https://gadingssuitm.com/index.php/gadingss/article/view/431. Acesso em: 10 oct. 2026.