Yew, L. K. ., G. C. . Fei, T. O. . Kowang, Z. . Wei, and L. N. . Udang. “Incorporating Perceived Risks and Hygien Belief into Intention to Use E-Wallet in Malaysia”. International Journal of Innovative Research and Scientific Studies, vol. 8, no. 4, July 2025, pp. 1689-95, doi:10.53894/ijirss.v8i4.8211.