Yi, Poh Xin, Intan Farahana Kasmin, Salmiah Amin, and Nur Khairunnisha Zainal. “Implementation of One-Time Password in Online Banking System Among Malaysian Bank Users to Reduce Cyber Fraud”. International Journal of Data Science and Advanced Analytics 4, no. 2 (June 17, 2023): 20–26. Accessed November 6, 2025. https://ijdsaa.com/index.php/welcome/article/view/138.