Hybrid Machine Learning Approach for predicting E-wallet Adoption among Higher Education Students in Malaysia. Journal of Information and Communication Technology, [S. l.], v. 23, n. 2, p. 177–210, 2024. DOI: 10.32890/jict2024.23.2.2. Disponível em: https://www.educationmalaysia.co.uk/index.php/jict/article/view/20917. Acesso em: 10 nov. 2025.