My High Impact and The Best Quality Journal Articles

I uphold ethical publication, ensuring that my work is guided by integrity. I avoid excessive self-citation, and my contributions are driven by authentic research aimed at advancing the field.  

1. 2026: Development of Quality-of-Life-Technology (QoLT) Product and Service Design Model for the Elderly Paper available

2. 2024: Ant Financial in establishing the early stage of the Alipay eco system in Malaysia. Paper available 

3. 2020: Alipay entered Malaysia: a closer look at the new market entry strategy driven by Chinese tourists. Paper available 

4. 2017: Service quality implementation in shaping sustainable banking operating system: A case study of Maybank Group. Paper available 

5. 2017: A holistic perspective on sustainable banking operating system drivers: A case study of Maybank group. Paper available 

6. 2016: Ethical banking in practice: a closer look at the Co-operative Bank UK PLC. Paper available 

7. 2015: Exploring manager's perspective of service quality strategies in Malaysian banking industry. Paper available