1. Abidin, W. Z., Rivera, O., Maarop, N., & Hassan, N. H. (2017). Mobile payment framework for the unbanked Filipinos. 2017 International Conference on Research and Innovation in Information Systems (ICRIIS). doi:10.1109/icriis.2017.8002478
2. Abrazhevich, D. (2001). E-payment systems: issues of user acceptance. Stanford-Smith, B. and Chiozza, E. (Eds), E-Work and E-Commerce, IOS Press, Amsterdam, 354-360
3. AIA Finance and Insurance. (2019). Leading with purpose. https://www.aia.com/content/dam/group/en/docs/agmpdf/2019/Annual%20Report%202019-E.pdf
4. Ajmera, H., & Bhatt , V. (2020). Factors Affecting The Consumer's Adoption Of E-Wallets In India: An Empirical Study. Alochana Chakra Journal, 9(6). https://www.researchgate.net/publication/343041661_Factors_affecting_the_consumer %27s_adoption_of_E-wallets_in_India_An_empirical_study
5. Ajzen, I. & Fishbein, M. (1980). Understanding attitudes and predicting social behavior, Prentice-Hall, Englewood Cliffs
6. Aydin, G., & Burnaz, S. (2016). Adoption of mobile payment systems: A study on mobile wallets. Pressacademia, 5(1), 73-73. https://doi.org/10.17261/pressacademia.2016116555
7. Chen, K., & Chang, M. (2013). User acceptance of near field communication mobile phone service: An investigation based on the UTAUT model. Service Industries Journal,33(6), 609-623
8. Chresentia, S., & Suharto, Y. (2020). Assessing consumer adoption model on e-wallet: An extended UTAUT2 approach. International Journal of Economics, Business and Management Research, 4(6), 1-13
9. Chresentia, S., & Suharto, Y. (2020). International Journal of Economics, Business and Management Research. Assessing Consumer Adoption Model On E-Wallet: An Extended UTAUT2 Approach, 4, 232-244. Retrieved March 16, 2021, from http://www.ijebmr.com/uploads/pdf/archivepdf/2020/IJEBMR_562.pdf
10. Doan, N. (2014). Consumer adoption in mobile wallet. International Business, 1-51
11. Dong, X. (2019). Performance expectancy, effort expectancy, social influence, facilitating conditions, and relative advantage affecting the Chinese customers’ decision to use mobile payment in Bangkok. Retrieved March 16, 2021, from http://dspace.bu.ac.th/handle/123456789/3779
12. Dy-Tioco, A., C (2021). A study on customers perception on cashless transactions in food service industry. Cosmos An International Journal of Management. 11(1)
13. Engert, W.; Fung, B.S.C.; Hendry, S. (2018). Is a Cashless Society Problematic? Bank of Canada: Toronto, ON, Canada
14. Estimated Federal Expenditure. (2021). Budget 2021 Official Website. http://www1.treasury.gov.my/index.php/en/ap-2021
15. Figueiredo Filho, D. B., Silva Júnior, J. A., & Rocha, E. C. (2011). What is R2 all about?. Leviathan (São Paulo), (3), 60-68. https://doi.org/10.11606/issn.2237-4485.lev.2011.132282
16. F.D. Davis. (1989). Perceived usefulness, perceived ease of use and user acceptance of information technology. MIS Quarterly. 13(3) 319- 340
17. Foo-Wah Lim, Ahmad, F., & Asmat Nizam. (2019). Behavioural Intention towards Using Electronic
18. Wallet: A Conceptual Framework in the Light of the Unified. https://www.researchgate.net/publication/340090603_Behavioural_Intention_towards_Using_Electronic_Wallet_A_Conceptual_Framework_in_the_Light_of_the_Unified_Theory_of_Acceptance_and_Use_of_Technology_UTAUT
19. Gofe, T. E.., & Tulu, D. R. (2019). Determinants of Customers E-Payment Utilization in Commercial Bank of Ethiopia the Case of Nekemte Town. Journal of Asian Business Strategy, 9(2), 120–132. https://doi.org/10.18488/journal.1006.2019.92.120.132
20. Habidin, Nurul & Zubir, Anis & Fuzi, Nursyazwani & Md Latip, Nor Azrin & M.N.A, Azman. (2015). Sustainable Performance Measures for Malaysian Automotive Industry. 33.1017-1024. 10.5829/idosi.wasj.2015.33.06.257
21. Hidayanto, A. N., Hidayat, L. S., Sandhyaduhita, P. I., & Handayani, P. W. (2015). Examining the relationship of payment system characteristics and behavioural intention in epayment adoption: A case of Indonesia. International Journal of Business Information Systems, 19(1), 58. doi:10.1504/ijbis.2015.069065
22. Immanuel, D. M, & Dewi, Y. K. (2020). Mobile Payment Adoption Intention During Pandemic Covid-19 in Indonesia. Journal of Information System and Technology Management, 5 (19), 60-76
23. Ishak, N. (2020). Overview of Cashless Payment in Malaysia. International Journal of Accounting, Finance and Business (IJAFB), 5(27), 1-8
24. Ismail, I. (2021). E-wallet use in Malaysia growing. NST Online. https://www.nst.com.my/opinion/columnists/2021/04/683345/e-wallet-use malaysiagrowing
25. Jin, C. C., Seong, L. C., & Khin, A. A. (2020). Consumers’ behavioural intention to accept of the mobile wallet in Malaysia. Journal of Southwest Jiaotong University, 55(1). https://doi.org/10.35741/issn.0258-2724.55.1.3
26. Junadi, & Sfenrianto. (2015). A Model of Factors Influencing Consumer’s Intention To Use E- payment System in Indonesia. International Conference on Computer Science and Computational Intelligence (ICCSCI), 214–220. https://doi.org/10.1016/j.procs.2015.07.557
27. Kavitha, K. & Kannan, D. (2020). Factors Influencing Consumers Attitude Towards Mobile Payment Applications. International Journal of Management, 11(04), 140–150. http://www.iaeme.com/ijm/issues.asp?JType=IJM&VType=11&IType=4
28. Kar, A. K. (2020). What affects usage satisfaction in mobile payments? Modelling user generated content to develop the “digital service usage satisfaction model.” Information Systems Frontiers. https://doi.org/10.1007/s10796-020-10045-0
29. Khayati, S., & Zouaoui, S. K. (2013). Perceived usefulness and use of information technology: The moderating influences of the dependence of a subcontractor towards his contractor. Journal of Knowledge Management, Economics an Information Technology, 3(6), 68-77
30. Koenig-Lewis, N., Marquet, M., Palmer, A., Zhao A., L., (2015). Enjoyment and social influence: predicting mobile payment adoption, Serv. Ind. J. 35537–554.
31. Tan, O., K., Fatinsyakila, A., A., Ong, C., H., Goh, C., F., Lim, K., Y., Mohd Saiful, I. S. & Choi, S., L. (2020). E-wallet acceptance among undergraduates in Malaysia. TEST Engineering & Management 12990-12998. https://www.researchgate.net/publication/341895171_E-Wallet_Acceptance_among_Undergraduates_in_Malaysia
32. Kurniasih, C. (2020). ICMEM: The 5th International Conference on Management in Emerging MarketsCici. Analyzing Factors That Influencing Continuance Intention Of E-Wallet In Dki Jakarta (Study Case: Ovo), 229-234. Retrieved March 16, 2021, from https://www.researchgate.net/profile/Raden-Rahadi/publication/345171863_Book_of_Proceedings_ICMEM_2020/links/5f9ff95c458515b7cfb2e4d3/Book-of-Proceedings-ICMEM-2020.pdf#page=249
33. Kyelene Chiew, P. Y., & Perera, S. (2019). Addressing E-Wallet Adoption Among Malaysians, 8(2), 41–57 http://university2.taylors.edu.my/tbr/uploaded/TBR%208(2)%20Paper%203.pdf
34. Lim, F.-W.; Ahmad, F.; Talib, A.N.A. (2013). Behavioural intention towards using electronic wallet: A Conceptual Framework in the Light of the Unified Theory of Acceptance and Use of Technology (UTAUT). Imp. J. Interdiscip. Res.5, 79–86. 2019
35. Lee, W., Tyrrell, T., & Erdem, M. Exploring the behavioral aspects of adopting technology. Journal of Hospitality and Tourism Technology, 4(1), 6–22. https://doi.org/10.1108/17579881311302329
36. Lew, S., Tan, G. W.-H., Loh, X.-M., Hew, J.-J., & Ooi, K.-B. (2020). The disruptive mobile wallet in the hospitality industry: An extended mobile technology acceptance model. Technology in Society, 63, 101430. https://doi.org/10.1016/j.techsoc.2020.101430
37. Liébana-Cabanillas, F., García-Maroto, I., Muñoz-Leiva, F., & Ramos-de-Luna, I. (2020). Mobile payment adoption in the age of digital transformation: The case of apple pay. Sustainability, 12(13), 5443. https://doi.org/10.3390/su12135443
38. Luarn, P. & Lin, H.H. (2005). Toward an understanding of the behavioural intention to useM-banking. Computers in Human Behaviour, 21(6), 873-891
39. Yadav, M., P. & Arora, M. (2019). Study on impact on customer satisfaction for e-wallet using path analysis model. International Journal of Information Systems & Management Science. 2(1).
40. Ming, K. L., Jais, M., Wen, C. C., & Zaidi, N. S. (2020). Factor affecting adoption of E-WALLET in Sarawak. International Journal of Academic Research in Accounting, Finance and Management Sciences, 10(2). https://doi.org/10.6007/ijarafms/v10-i2/7446
41. Mahor, N. (2017). A study of the customer perception of the risk of Cash and Cashless transaction. Kaav International Journal of Economics, VOL-4/ISS-4/A15 PAGE NO.103-119.
42. Mohd Razif, N. N., Misiran, M., Sapiri, H., & Md Yusof, Z. (2020). Perceived risk for acceptance of E-wallet platform in Malaysia among youth: Sem approach. Management Research Journal, 9, 1-24. https://doi.org/10.37134/mrj.vol9.sp.1.2020
43. Müller, J. (2021). Smartphone users in Malaysia 2017-2023. Retrieved April 20, 2021, from https://www.statista.com/statistics/494587/smartphone-users-in-malaysia/
44. Nyaboga, A. B., Marwa, M., & Kabata, D. (2015). Motivational Factors and Use of Mobile Payment Services in Kenya. Journal of Business & Economic Studies, 21(1/2), 40–49
45. Oliveira, T., Thomas, M., Baptista, G., & Campos, F. (2016). Mobile payment: Understanding the determinants of customer adoption and intention to recommend the technology. Computers in Human Behavior, 61, 404-414. https://doi.org/10.1016/j.chb.2016.03.030
46. Ooi, K. B., & Tan, G. W. H. (2016). Mobile technology acceptance model: An investigation using mobile users to explore smartphone credit card. Expert Systems with Applications, 59, 33-46
47. Oppotus.com. (2020). E-Wallet usage in Malaysia 2020: Thriving in lockdown. Retrieved April 20, 2021, from https://www.oppotus.com/e-wallet-usage-in-malaysia-2020/
48. Park, N., Rhoads, M., Hou, J., & Lee, K. M. (2014). Understanding the acceptance of teleconferencing systems among employees: An extension of the technology acceptance model. Computers in Human Behavior, 39, 118-127
49. Paynter, J. & Lim, J. (2001). Drivers and impediments to e-commerce in Malaysia. Malaysian Journal of Library and Information Science, 6(2), 1-19
50. Rama Murthy, S. & Monto M. (2013). Discerning rejection of technology. SAGE Open, doi:10.1177/2158244013485248.
51. Ridaryanto, Firmansyah, R. K., Kartono, R., & Sundjaja, A. M. (2019). Factors affecting the use of E-WALLET in JABODETABEK AREA. International Journal of Advanced Trends in Computer Science and Engineering, 8(6), 3645-3651. doi:10.30534/ijatcse/2019/149862019
52. Sentanu, W., Sagala, S. A. N., Marjuki, D., & Gunadi, W. (2020). Analysis of the Effects of Benefit and Risk Factors on the Use of E-Wallet. International Journal of Advanced Research in Engineering and Technology (IJARET), 11(8), 721–737. https://doi.org/10.34218/IJARET.11.8.2020.070
53. Shen, X.-L., Cheung, C. M. K., & Lee, M. K. O. (2013). Perceived critical mass and collective intention in social media-supported small group communication. International Journal of Information Management, 33(5), 707–715. https://doi.org/10.1016/j.ijinfomgt.2013.04.005
54. Sekaran, U., & Bougie, R. (2013). Research methods for business: A skill-building approach (6th ed.). West Sussex, United Kingdom: John Wiley & Sons, Inc.
55. Sekaran, U., & Bougie, R. (2020). Research methods for business: A skill-building approach. Hoboken, NJ: Wiley. Retrieved March 2, 2021, from https://books.google.com.my/books?id=Ko6bCgAAQBAJ&lpg=PA19&ots=2C_RX7JUpL&dq=data%20collection%20method%20Sekaran%20and%20Bougie%20&lr&pg=PA26#v=onepage&q&f=false
56. Shankar, A., & Datta, B. (2018). Factors Affecting Mobile Payment Adoption Intention: An Indian Perspective. Global Business Review, 19(3_suppl), S72–S89. https://doi.org/10.1177/0972150918757870
57. Tan, J. (2020). Mastercard: Malaysia has highest mobile Wallet usage in Southeast Asia. Retrieved April 20, 2021, from https://ringgitplus.com/en/blog/e-wallet/mastercard-malaysia-has-highest-mobile-wallet-usage-in-southeast-asia.html
58. Taufan, A., & Yuwono, R. T. (2019). Analysis of Factors That Affect Intention to Use e-Wallet through the Technology Acceptance Model Approach (Case Study: GO-PAY). International Journal of Science and Research (IJSR), 1-8
59. Tenk, T. T., Yew, H. C., & Heang, L. T. (2020). E-Wallet adoption: A case in Malaysia. International Journal of Research in Commerce and Management Studies, 2(2)
60. Truman, GE, Sandoe, K & Rifkin, T, (2003). 'An Empirical Study of Smart Card Technology', Information & Management, vol. 40, no. 6, pp. 591-606
61. Venkatesh, V., Morris, M. G, Davis, G. B., and Davis, F. D. (2003). "User Acceptance of Information Technology: Toward a Unified View," MIS Quarterly (27:3), pp. 425-478
62. Venkatesh, V., James, & Xu, X. (2012). Consumer Acceptance and Use of Information
63. Technology: Extending the Unified Theory of Acceptance and Use of Technology. MIS Quarterly, 36(1), 157–178. JSTOR. https://doi.org/10.2307/41410412
64. Wang, L., & Dai, X. (2020). Exploring factors affecting the adoption of mobile payment at physical stores. International Journal of Mobile Communications, 18(1), 67. doi:10.1504/ijmc.2020.104420
65. Widayat, W., Masudin, I., & Satiti, N. R. (2020). E-Money Payment: Customers’ Adopting Factors and the Implication for Open Innovation. Journal of Open Innovation: Technology, Market, and Complexity, 6(3), 57. https://doi.org/10.3390/joitmc6030057
66. Widodo, M., Irawan, M. I., & Ambarwati Sukmono, R. (2019). Extending UTAUT2 to explore digital wallet adoption in Indonesia. 2019 International Conference on Information and Communications Technology (ICOIACT). doi:10.1109/icoiact46704.2019.8938415
67. Xian, C. Y., Yien, K. S., Ai, L. V., Yi, L. S., & Ping, O. C. Moving into cashless society: Factors affecting adoption of e-wallet (Final Year Project, UTAR) Universiti Tunku Abdul Rahman
68. Yang, M., Mamun, A. A., Mohiuddin, M., Nawi, N. C., & Zainol, N. R. (2018). Cashless Transactions: A Study on Intention and Adoption of e-Wallets. Sustainability, 13(2), 831. https://doi.org/10.3390/su13020831
69. Yap, M., C. & Ng, B., A. (2019). Factors Influencing Consumers’ Perceived Usefulness of M-Wallet in Klang Valley, Malaysia (Paper presented). SIBR 2019 (Seoul) Conference on InterdisciplinaryBusiness and Economics Research
70. Zikmund, W. G., Babin, B. J., Carr, J. C. & Griffin, (2010). M. Business research methods (8th ed.). Mason, OH: Cengage Learning