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Aminullah, Nur Wajihah, and Mohd Ariff Mohd Daud. “SHOPEE PAY LATER SCHEME: ASSESSING UNDERSTANDING OF UITM DUNGUN STUDENT”. Jurnal ’Ulwan, vol. 9, no. 1, June 2024, pp. 97-108, https://ejournal.unimel.edu.my/index.php/JULWAN/article/view/1676.