Muhamad, Mahathir, Mohammad Ismail, Mohd Nazri Muhayiddin, Ahmad Ridhuwan Abdullah, Muhammad Naqib Mat Yunoh, and Abd Aziz Mat Hassan. “A Conceptual Model of Digital Banking Adoption Intention in Malaysia: Integrating TAM and TPB”. International Journal of Accounting, Finance and Business 11, no. 64 (March 12, 2026): 46–53. Accessed March 16, 2026. https://academicinspired.com/ijafb/article/view/3956.