Ng , Choy Peng, Muhammad Ashraf Abd Mokti, Faridah Hanim Khairuddin, Vikneswaran Munikanan, and Chee Fui Wong. “Factors Influencing Toll Lane Payment Mode”. IEM Journal 86, no. 1 (July 22, 2025). Accessed October 8, 2025. https://iemjournal.com.my/index.php/iem/article/view/256.