MIGRATION PATTERN IN PAYMENT PREFERENCES POST COVID-19 AMONG CONSUMERS IN MALAYSIA. Journal of Economics and Sustainability, [S. l.], v. 7, n. 2, p. 44–62, 2025. DOI: 10.32890/jes2025.7.2.3. Disponível em: https://www.educationmalaysia.co.uk/index.php/jes/article/view/25809. Acesso em: 10 nov. 2025.