T. Ramayah, Muhamad Jantan, Mohd Nasser Mohd Noor, Koay Pei Ling, and Razli Che Razak. “RECEPTIVENESS OF INTERNET BANKING BY MALAYSIAN CONSUMERS: THE CASE OF PENANG”. Asian Academy of Management Journal 8, no. 2 (December 30, 2003): 1–29. Accessed November 22, 2024. https://ejournal.usm.my/aamj/article/view/aamj_vol8-no-2-2003_1.