Nik Yahya, Nik Fatma Arisya, Mazura Mahdzir, and Sharifah Mazlina Syed Khuzzan. 2020. “Factors Contributing Towards Slow Adoption of Information Technology (IT): A Literature Review”. INTI Journal 2019 (July). https://iuojs.intimal.edu.my/index.php/intijournal/article/view/399.