Othman, Bestoon, Amran Harun, Darbaz Answer Ismail, Zana Majed Sadq, Sher Ali, and Thomas Stephen Ramsey. “Malaysian Consumer Behaviour towards Internet Banking: An Application of Technology Acceptance Model”. International Journal of Psychosocial Rehabilitation 23, no. 2 (May 31, 2019): 689–703. Accessed July 9, 2025. https://www.psychosocial.com/index.php/ijpr/article/view/1923.