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      <item>
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          <family>Mohamad Shukri</family>
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    <title>Towards a cashless society - Examining the Impact of Digital Infrastructure on mPayment Transactions (A Cross-Region Analysis)</title>
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    <referencetext>https://www.statista.com/outlook/dmo/fintech/digital-payments/mobile-pos-payments/worldwide?currency=USD
https://data.worldbank.org/indicator/EG.ELC.ACCS.ZS
https://data.worldbank.org/indicator/IT.NET.SECR.P6
https://data.worldbank.org/indicator/IT.NET.USER.ZS
https://data.worldbank.org/indicator/IT.CEL.SETS.P2
https://data.worldbank.org/indicator/IT.NET.BBND.P2?locations=1W
https://data.worldbank.org/indicator/fb.atm.totl.p5
https://www.itu.int/en/ITU-D/Statistics/Dashboards/Pages/IPB.aspx</referencetext>
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