YEW, L. K. .; FEI, G. C. .; KOWANG, T. O. .; WEI, Z. .; UDANG, L. N. . Incorporating perceived risks and Hygien belief into intention to use E-Wallet in Malaysia. International Journal of Innovative Research and Scientific Studies, [S. l.], v. 8, n. 4, p. 1689–1695, 2025. DOI: 10.53894/ijirss.v8i4.8211. Disponível em: https://www.ijirss.com/index.php/ijirss/article/view/8211. Acesso em: 19 nov. 2025.