Ali Husseini, S. and Soo-Fen, F. (2019) “Integrating TQM Practices and Knowledge Management to Enhance Malaysian Digital Banking”, Opción, 35(89), pp. 441-476. Available at: https://produccioncientifica.luz.edu.ve/index.php/opcion/article/view/31092 (Accessed: 30October2025).