Khalid, Khalisa, Nor Baizura Osman, Mohd Khairul Azizol A Rahman, and Mohamad Shukri Johari. “An Analysis of Maybank Kuala Terengganu Low E-Payment Adoption Among Online Banking Users”. Gading Journal for the Social Sciences (e-ISSN 2600-7568) 27, no. 1 (April 30, 2024): 53–61. Accessed August 10, 2026. https://gadingssuitm.com/index.php/gadingss/article/view/431.