Phillip Ngew

1 ta ish

Universiti Putra Malaysia

1. Go digital: can the money-gift function promote the use of e-wallet apps?

   Xin‐Jean Lim, Phillip Ngew, Jun‐Hwa Cheah +2

   Maqola20224 iqtibos

   ABIABI:AkademIndex/2026.other.052514