Yew, Lim Kim, Goh Chin Fei, Tan Owee Kowang, Zhang Wei, and Lester Naces Udang. 2025. “Incorporating Perceived Risks and Hygien Belief into Intention to Use E-Wallet in Malaysia”. International Journal of Innovative Research and Scientific Studies 8 (4):1689-95. https://doi.org/10.53894/ijirss.v8i4.8211.