Loong An T, Ramasamy S, Yee Yen Y. The factors affecting consumer’s perception about credit cards usage: A study in Melaka, Malaysia. Environ. Soc. Psychol. [Internet]. 2023 Dec. 21 [cited 2025 Mar. 9];9(2). Available from: https://esp.as-pub.com/index.php/esp/article/view/2030