00564nam a22001817a 4500 20240227122602.0 240131b |||||||| |||| 00| 0 eng d MAIN English Helen S.H. Lee 21482 The Demand for E-Payments in Malaysia: An Examination of Usage Intensity Los Angeles Sage 2013 371–389 BJ234 Margin-the journal of applied economic research 21473 Economics 79 Loke ,Yiing Jia Tan, Andrew K.G. 21483 AI 56560 56560 MAIN AI 2024-01-31 00:00:00 BJ234.6 0 Vol7, 4(BJ234) 2024-01-31 MAIN 0 83395 0 0 ddc 0