Kamis, Rohaiza, et al. “Cashless Society and the Informal Economy: Assessing the Potential of Policy-Driven Digital Payment Ecosystems for Sustainable Transformation”. International Journal of Accounting, Finance and Business, vol. 11, no. 68, Sept. 2026, pp. 54-70, https://academicinspired.com/ijafb/article/view/4579.