PERCEIVED SECURITY RISK AND E-PAYMENT ADOPTION IN HIGHER EDUCATION: EVIDENCE FROM UITM STUDENTS. Quantum Journal of Social Sciences and Humanities, [S. l.], v. 6, n. SI3, p. 63–72, 2025. DOI: 10.55197/qjssh.v6si3.1016. Disponível em: https://www.qjssh.com/index.php/qjssh/article/view/1016. Acesso em: 25 may. 2026.