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ajis02-2809	doi.org	https://doi.org/10.1108/ijilt-02-2017-0009
ajis02-2809	www.bis.org	https://www.bis.org/publ/bisbull03.pdf
ajis02-2809	knowyourcustomer.com	https://knowyourcustomer.com/bank-negaramalaysia-issues-e-kyc-policy
ajis02-2809	www.bnm.gov.my	https://www.bnm.gov.my/index.php?ch=ps&pg=ps_stats&lang=en
ajis02-2809	doi.org	https://doi.org/10.1509/jmkg.66.3.1.18505
ajis02-2809	doi.org	https://doi.org/10.1108/08876041111129209
ajis02-2809	www.myboost.com.my	https://www.myboost.com.my/news/boost-introduces-new-featuresfor-a-more-rewarding-cashless-experience
ajis02-2809	doi.org	https://doi.org/10.3127/ajis.v19i0.1073
ajis02-2809	doi.org	https://doi.org/10.1007/s10660018-9302-2
ajis02-2809	www.capgemini.com	https://www.capgemini.com/news/world-payments-report-2019
ajis02-2809	doi.org	https://doi.org/10.1016/j.tele.2018.11.006
ajis02-2809	doi.org	https://doi.org/10.1016/j.ijhm.2011.05.003
ajis02-2809	doi.org	https://doi.org/10.1007/s10660-015-9192-5
ajis02-2809	doi.org	https://doi.org/10.1080/15228053.2018.1453338
ajis02-2809	doi.org	https://doi.org/10.1108
ajis02-2809	doi.org	https://doi.org/10.1080/08874417.2016.1180649
ajis02-2809	iprice.my	https://iprice.my/trends/insights/best-ewallet-malaysia
ajis02-2809	doi.org	https://doi.org/10.3127/ajis.v20i0.1369
ajis02-2809	www.researchgate.net	https://www.researchgate.net/publication
ajis02-2809	doi.org	https://doi.org/10.1108/08876040810862895
ajis02-2809	doi.org	https://doi.org/10.2307/249008
ajis02-2809	doi.org	https://doi.org/10.1287/mnsc.35.8.982
ajis02-2809	doi.org	https://doi.org/10.1016/j.jretconser.2016.04.011
ajis02-2809	www.mea.gov.my	https://www.mea.gov.my/en/rmk/eleventh-malaysia-plan-2016-2020
ajis02-2809	doi.org	https://doi.org/10.1177/1470593109346894
ajis02-2809	fintechnews.my	https://fintechnews.my/23971/e-wallets-malaysia/e-walletmalaysia-pejana
ajis02-2809	doi.org	https://doi.org/10.1007/s11002-012-9199-9
ajis02-2809	doi.org	https://doi.org/10.1108/ebr11-2018-0203
ajis02-2809	doi.org	https://doi.org/10.1007/s10490-017-9535-y
ajis02-2809	doi.org	https://doi.org/https://doi.org/10.1177/1094428114526928
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ajis02-2809	doi.org	https://doi.org/10.1108/imr-09-2014-0304
ajis02-2809	doi.org	https://doi.org/10.1016/j.intmar.2016.03.001
ajis02-2809	doi.org	https://doi.org/10.1016/j.jretconser.2018.07.004
ajis02-2809	doi.org	https://doi.org/10.1016/j.ijinfomgt.2021.102308
ajis02-2809	www.forbes.com	https://www.forbes.com/sites/rogerhuang/2020/03/09/whoencourages-use-of-digital-payments-due-to-covid-19/?sh=59ac5feb41eb
ajis02-2809	doi.org	https://doi.org/10.1007/s12525-015-0212-z
ajis02-2809	doi.org	https://doi.org/10.1108/09564231311323962
ajis02-2809	doi.org	https://doi.org/10.1016/j.chb.2017.10.035
ajis02-2809	doi.org	https://doi.org/10.4018/978-1-4666-6547-7
ajis02-2809	doi.org	https://doi.org/10.1016/j.chb.2009.10.013
ajis02-2809	doi.org	https://doi.org/10.1016/j.dss.2005.05.009
ajis02-2809	doi.org	https://doi.org/10.3127/ajis.v24i0.1923
ajis02-2809	doi.org	https://doi.org/10.1177/2319510x18776405
ajis02-2809	www.igi-global.com	https://www.igi-global.com/chapter/convergence-of-technology-in-the-e-commerceworld-and-venture-capital-landscape-in-south-east-asia/186365
ajis02-2809	doi.org	https://doi.org/10.4018/978-1-5225-9697-4.ch015
ajis02-2809	www.bnm.gov.my	https://www.bnm.gov.my/files/publication/qb/2018/q2/p7.pdf
ajis02-2809	doi.org	https://doi.org/10.1509/jm.15.0420
ajis02-2809	doi.org	https://doi.org/10.1080/0144929x.2013.810775
ajis02-2809	doi.org	https://doi.org/10.3127/ajis.v22i0.1651
ajis02-2809	doi.org	https://doi.org/10.3127/ajis.v24i0.2509
ajis02-2809	doi.org	https://doi.org/10.1007/s10660-019-09349-4
ajis02-2809	doi.org	https://doi.org/10.1016/j.telpol.2015.11.011
ajis02-2809	doi.org	https://doi.org/10.1016/j.ijhm.2015.11.003
ajis02-2809	doi.org	https://doi.org/10.3127/ajis.v23i0.2113
ajis02-2809	www.klausnordby.com	https://www.klausnordby.com/bitcoin/bitcoin_whitepaper_document_
ajis02-2809	doi.org	https://doi.org/10.1016
ajis02-2809	doi.org	https://doi.org/10.1007/s12525-012-0105-3
ajis02-2809	doi.org	https://doi.org/10.33166/acdmhr.2020.01.002
ajis02-2809	doi.org	https://doi.org/10.1109/wficloud.2018.00041
ajis02-2809	www.pewresearch.org	https://www.pewresearch.org/global/2018/06/19/social-media-use-continues-to-rise-indeveloping-countries-but-plateaus-across-developed-ones/
ajis02-2809	doi.org	https://doi.org/10.1109/icicos48119.2019.8982424
ajis02-2809	www.pwc.com	https://www.pwc.com/gx/en
ajis02-2809	doi.org	https://doi.org/10.1504/ijwbc.2017.084417
ajis02-2809	doi.org	https://doi.org/10.1108/imds-10-2015-0449
ajis02-2809	www.smartpls.com	http://www.smartpls.com
ajis02-2809	doi.org	https://doi.org/10.1177/1470593107083165
ajis02-2809	www.usaid.gov	www.usaid.gov/sites/default/files/documents/15396/connecting_the_next_four_billio
ajis02-2809	doi.org	https://doi.org/10.1007/s11747-006-0001-5
ajis02-2809	doi.org	https://doi.org/10.3127/ajis.v20i0.1193
ajis02-2809	doi.org	https://doi.org/10.1016
ajis02-2809	doi.org	https://doi.org/10.1108/ejm-02-20190189
ajis02-2809	doi.org	https://doi.org/10.1016/j.jretconser.2013.12.003
ajis02-2809	bravenewcoin.com	https://bravenewcoin.com/insights/majorjapanese-corporation-driving-cryptocurrency-usage
ajis02-2809	doi.org	https://doi.org/10.1108/imds-08-2014-0231
ajis02-2809	www.thestar.com.my	https://www.thestar.com.my/business/business-news/2020/06/12/boost-supportsgovernments-e-wallet-initiatives
ajis02-2809	doi.org	https://doi.org/10.3127/ajis.v23i0.1971
ajis02-2809	www.jstor.org	http://www.jstor.org/stable/30036540
ajis02-2809	doi.org	https://doi.org/10.1016/j.jdmm.2020.100456
ajis02-2809	doi.org	https://doi.org/10.1016/j.cose.2008.09.008
ajis02-2809	uxmag.com	https://uxmag.com/articles/convenience
ajis02-2809	doi.org	https://doi.org/10.1108/imds-08-2016-0312
ajis02-2809	doi.org	https://doi.org/10.1016/j.jbusres.2019.11.058
ajis02-2809	doi.org	https://doi.org/10.1080/08874417.2015.11645781
ajis02-2809	doi.org	https://doi.org/10.1109/mce.2019.2953734
ajis02-2809	doi.org	https://doi.org/10.1016/j.chb.2017.03.066
ajis02-2809	doi.org	https://doi.org/10.5267/j.msl.2020.9.009
ajis02-2809	unesdoc.unesco.org	https://unesdoc.unesco.org/ark:/48223/pf0000261791
ajis02-2809	doi.org	https://doi.org/10.1007/s10660020-09396-2
ajis02-2809	doi.org	https://doi.org/10.3127/ajis.v25i0.2809
ajis02-2809	creativecommons.org	http://creativecommons.org/licenses/by-nc/3.0/au