Kamis, R.; Abd Majid, H. N.; Harun, H.; Abidin, M. I.; Mahphoth, M. H.; Awang, A. H.; Ismail, S. Cashless Society and the Informal Economy: Assessing the Potential of Policy-Driven Digital Payment Ecosystems for Sustainable Transformation. IJAFB 2026, 11, 54-70.