Malawaichan , Sukanya, Mazlan Sulong, Apandi Hassan, and Sapiyah Yahdaro. 2024. “Perception and Decision to Use Financial Services Application Ibnu Affan Islamic Co-operative LTD”. Journal of Modern Learning Development 9 (12):372-86. https://so06.tci-thaijo.org/index.php/jomld/article/view/279309.