Shahrul Nizam Salahudin and Chew Fong Joo, “The Future of Virtual Banking in Malaysia”, rmtb, vol. 3, no. 2, pp. 1–13, Nov. 2022, Accessed: Apr. 08, 2026. [Online]. Available: https://penerbit.uthm.edu.my/periodicals/index.php/rmtb/article/view/9131