Yiing jia Loke Universiti Sains Malaysia   School of Social Sciences Universiti Sains Malaysia Gelugor, Pulau Pinang 11800 Malaysia   yjloke@usm.my         Primary Research Focus: Consumer Payments System   JEL Areas: E2 : Macroeconomics: Consumption, Saving, Production, Employment, and Investment: General (includes Measurement and Data) J6 : Mobility, Unemployment, and Vacancies: General