Faktor yang Mempengaruhi Niat Penggunaan Teknologi Kewangan Islam di Malaysia: Factors Influencing the Intention to Use Islamic Financial Technology in Malaysia. Journal of Management and Muamalah , [S. l.], v. 11, n. 2, p. 145–156, 2021. Disponível em: https://jmm.uis.edu.my/index.php/jurnal/article/view/110. Acesso em: 26 may. 2026.