E. Nordin, W. S. Hussain, H. Hasin, M. Hassan, H. Mohd Irpan, and M. R. Abdul Malik, “Educational Learning Application (ELA): Behavioral Intentions and Motivation Implications of Cost of Capital Formula (COCF) Apps”, IMBR, vol. 17, no. 2(I), pp. 51-65, Jun. 2025.