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Phoong, Seuk Wai and Phoong, Seuk Yen and Ho, Shuang Tien (2022) Technology, organisation and environment factor on mobile payment implementation: Focus on SMEs in Malaysia. International Journal of Mobile Communications, 20 (5). pp. 519-540. ISSN 1470-949X, DOI https://doi.org/10.1504/IJMC.2022.125420.