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Aminullah, Nur Wajihah, and Mohd Ariff Mohd Daud. “SHOPEE PAY LATER SCHEME: ASSESSING UNDERSTANDING OF UITM DUNGUN STUDENT”. Jurnal ’Ulwan 9, no. 1 (June 30, 2024): 97–108. Accessed March 17, 2026. https://ejournal.unimel.edu.my/index.php/JULWAN/article/view/1676.