Nik Abdullah, Nik Herda, and Tye Wei Ling. “The Emergence of Fintech on Cost Management in Malaysian Financial Institutions”. Indonesian Journal of Economics, Social, and Humanities 5, no. 3 (November 27, 2023): 244–252. Accessed September 21, 2026. https://ijesh.unri.ac.id/index.php/ijesh/article/view/293.