Abstract— Despite the rapid adoption of Buy Now, Pay Later (BNPL) services such as Shopee SPayLater, consumers' intention to use these services for smartphone purchases remains uncertain. Many users' express concerns regarding usefulness, ease of use, and security, alongside limited empirical studies examining these fa...
Nur Adriana Aisyah Suhailan, Aini Khalida Muslim, Muhamad Izaidi Ishak et al.· International journal of res...· 0 citations
The results indicate that all six TOE factors have a statistically significant positive relationship with organizational performance, suggesting that internal readiness and technology-driven benefits are the primary catalysts of digital success in developing markets.
Nur Azreen Syahirah Aruzi, Aini Khalida Muslim, Muhamad Izaidi Ishak et al.· International journal of res...· 0 citations
Road accidents have long been a persistent safety issue in Malaysia, causing many deaths and injuries and imposing substantial annual costs. Despite measures to improve road safety, the number of accidents has remained high due to the interplay of several factors. Most studies have examined these factors individually;...
Swee Lee Sun Lai, Aini Khalida Muslim, Muhamad Izaidi Ishak et al.· International journal of res...· 0 citations
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