Ahmad, W., N. H. Amran, N. A. M. Ali, and A. A. Yusuf. “A Blessing in Disguise: Covid-19 Pandemic and the Emergence of E-Payment”. Information Management and Business Review, Vol. 15, no. 1(I)SI, May 2023, pp. 27-36, doi:10.22610/imbr.v15i1(I)SI.3387.