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Aminullah, N.W. and Daud, M.A.M. (2024) “SHOPEE PAY LATER SCHEME: ASSESSING UNDERSTANDING OF UITM DUNGUN STUDENT”, Jurnal ’Ulwan, 9(1), pp. 97–108. Available at: https://ejournal.unimel.edu.my/index.php/JULWAN/article/view/1676 (Accessed: 17 March 2026).