Saadan, Naharudin, Khairil Faizal Khairi, Mohd Zairul, Azuan Ahmad, and Agoos Munalis Tahir. “Designing the Blockchain-Integrated Collaborative E-Payment Framework: A Philosophical Reflection”. The Journal of Muamalat and Islamic Finance Research 22, no. 2 (December 1, 2025): 40–56. Accessed December 2, 2025. https://jmifr.usim.edu.my/index.php/jmifr/article/view/668.