Malawaichan , S. ., Sulong, M. ., Hassan, A. ., & Yahdaro, S. . (2024). Perception and Decision to Use Financial Services Application Ibnu Affan Islamic Co-operative LTD . Journal of Modern Learning Development, 9(12), 372–386. retrieved from https://so06.tci-thaijo.org/index.php/jomld/article/view/279309