ABDUL AZIZ, Farah Farzana; ISA, Raznida; AZIZAN, Noraliza; MD AMIN, Noornajwa; KAMARZAMAN, Noorshamshillah; JALAL, Siti Fajar. Enhancing Security and Privacy in Credit Transfer Application Systems: A Proposed Framework . The Asian Journal of Professional & Business Studies, [S. l.], v. 6, n. 2, p. 73–85, 2025. DOI: 10.61688/ajpbs.v6i2.422. Disponível em: https://journal.uptm.edu.my/index.php/ajpbs/article/view/422. Acesso em: 7 jan. 2026.