Wan Razazila Wan Abdullah, Enny Nurdin Sutan Maruhun, Norzarina Noordin, Sunarti Halid, Naimah Ahmad Yahya and Ahmad Saiful Azlin Puteh Salin 2023. Optimizing Financial Decisions with My e-Credit Banking Apps Version 3 (Mecba) v3. Malaysia Journal of Invention and Innovation. 2, 6 (Nov. 2023), 45–50.