APA (7th ed.) Citation

Zainia, S., & Sidek, S. (2024). The effect of e-wallet adoption towards the SMES productivity: A conceptual view. Universiti Malaysia Sabah.

Chicago Style (17th ed.) Citation

Zainia, Suzanira, and Suzillah Sidek. The Effect of E-wallet Adoption Towards the SMES Productivity: A Conceptual View. Universiti Malaysia Sabah, 2024.

MLA (9th ed.) Citation

Zainia, Suzanira, and Suzillah Sidek. The Effect of E-wallet Adoption Towards the SMES Productivity: A Conceptual View. Universiti Malaysia Sabah, 2024.

Warning: These citations may not always be 100% accurate.