“RECEPTIVENESS OF INTERNET BANKING BY MALAYSIAN CONSUMERS: THE CASE OF PENANG”, AAMJ, vol. 8, no. 2, pp. 1–29, Dec. 2003, Accessed: May 17, 2024. [Online]. Available: https://ejournal.usm.my/aamj/article/view/aamj_vol8-no-2-2003_1