Shamshubaridah Ramlee and Nor Azlan Ghazali (2006) “Interest Rates Uncertainty, Immediacy Cost and the Role of Banks”, Asian Academy of Management Journal of Accounting and Finance, 2(2), pp. 61–74. Available at: https://ejournal.usm.my/aamjaf/article/view/aamjaf_vol2-no2-2006_4 (Accessed: 3 October 2025).