T. Ramayah, Osman Mohamad, Azizah Omar, Malliga Marimuthu and Jasmine Yeap Ai Leen (2022) “The Influence of SME Owners’ Characteristics on Technology Adoption”, Indian Journal of Commerce and Management Studies, 3(3), pp. 10–16. Available at: https://ijcms.in/index.php/ijcms/article/view/526 (Accessed: 15 September 2025).