MALAWAICHAN , S.; SULONG, M.; HASSAN, A.; YAHDARO, S. Perception and Decision to Use Financial Services Application Ibnu Affan Islamic Co-operative LTD. . Journal of Modern Learning Development, [S. l.], v. 9, n. 12, p. 372–386, 2024. Disponível em: https://so06.tci-thaijo.org/index.php/jomld/article/view/279309. Acesso em: 16 sep. 2026.