YAKUB, Shaffaridzuan; YACOB, Yusman. Financial Technology Adoption Among MSMEs in Sarawak: An Extended TOE Conceptual Framework. Proceeding Borneo Islamic Conference, [S. l.], v. 17, p. 17–22, 2026. Disponível em: https://majmuah.com/journal/index.php/kaib1/article/view/1152. Acesso em: 28 oct. 2026.