Kamis, Rohaiza, Hairul Nizwan Abd Majid, Hazalinda Harun, Mohd Isham Abidin, Mohd Halim Mahphoth, Amizatul Hawariah Awang, and Shafinar Ismail. “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 11, no. 68 (September 24, 2026): 54–70. Accessed September 30, 2026. https://academicinspired.com/ijafb/article/view/4579.