Ng Peggie, and Siti Norziah Ismail. “Determinants of Influence Factors of Consumer’s Intention to Use Cashless Transaction Mode Among UTHM Students”. Research in Management of Technology and Business, vol. 2, no. 1, June 2021, pp. 273-92, https://publisher.uthm.edu.my/periodicals/index.php/rmtb/article/view/1827.