Subramaniam, G., I. Osman, A. A. Muhamat, E. Ali, and S. Mohamad. “Acceptance of Islamic Banking in New Zealand: Perspectives from Potential Customers”. Journal of Reviews on Global Economics, vol. 8, Dec. 2019, pp. 939-47, https://mail.lifescienceglobal.com/pms/index.php/jrge/article/view/6247.