Debit card as a means of payment in Malaysia / Mohd Amifarez Hamidun
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http://studentsrepo.um.edu.my/3437/4/table_of_content.pdf
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http://studentsrepo.um.edu.my/3437/9/cha[pter_5.pdf
http://studentsrepo.um.edu.my/3437/10/references.pdf
http://studentsrepo.um.edu.my/3437/11/appendix.pdf
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