{"id":1978,"date":"2020-12-08T04:46:11","date_gmt":"2020-12-08T04:46:11","guid":{"rendered":"https:\/\/usimtijarah.com\/?p=1978"},"modified":"2021-02-11T06:55:42","modified_gmt":"2021-02-11T06:55:42","slug":"e-wallet-forum","status":"publish","type":"post","link":"https:\/\/usimholdings.com\/ms\/e-wallet-forum\/","title":{"rendered":"E-wallet Forum"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"1978\" class=\"elementor elementor-1978\" data-elementor-settings=\"[]\">\n\t\t\t\t\t\t<div class=\"elementor-inner\">\n\t\t\t\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-74c71f96 elementor-section-height-min-height elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"74c71f96\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1082b4e\" data-id=\"1082b4e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-468c7d2f elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"468c7d2f\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;rollIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-large\">FORUM E-Wallet from legal and shariah perspectives<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72b593b elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"72b593b\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;rollIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-large\">24 JANUARY 2021<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6fb72867 elementor-mobile-align-center elementor-align-center elementor-widget elementor-widget-button\" data-id=\"6fb72867\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"#join\" class=\"elementor-button-link elementor-button elementor-size-lg\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Join<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3c1e067d\" data-id=\"3c1e067d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-652050b elementor-widget elementor-widget-image\" data-id=\"652050b\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/poster-e-wallet-24.1.2021.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-title=\"poster e-wallet 24.1.2021\">\n\t\t\t\t\t\t\t<img width=\"1605\" height=\"1059\" src=\"https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/poster-e-wallet-24.1.2021.png\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/poster-e-wallet-24.1.2021.png 1605w, https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/poster-e-wallet-24.1.2021-300x198.png 300w, https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/poster-e-wallet-24.1.2021-768x507.png 768w, https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/poster-e-wallet-24.1.2021-1024x676.png 1024w, https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/poster-e-wallet-24.1.2021-8x5.png 8w, https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/poster-e-wallet-24.1.2021-36x24.png 36w, https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/poster-e-wallet-24.1.2021-48x32.png 48w, https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/poster-e-wallet-24.1.2021-600x396.png 600w\" sizes=\"(max-width: 1605px) 100vw, 1605px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b8066b4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b8066b4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2e4e19c\" data-id=\"2e4e19c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7415adc elementor-widget elementor-widget-heading\" data-id=\"7415adc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">BACKGROUND<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6a11426 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6a11426\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-d00d6ac\" data-id=\"d00d6ac\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1180190 elementor-widget elementor-widget-text-editor\" data-id=\"1180190\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\"><p>Advancement of digital technology as a result of the 4th Industrial Revolution (IR 4.0) also disrupts Islamic finance sector. The development of IR 4.0 has given a birth to several technology-based services such as e-wallet applications, crowd funding, smart contracts and more. In a situation where the world today faces a pandemic situation that demanding for social distancing; offering virtual services to meet individual needs has become a community need. E-wallet serves as a replacement for the physical wallet to enable a person to save money by simply using a virtual application without having to bring physical cash to make a transaction (Aqilah, 2019).<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9739b53 elementor-widget elementor-widget-text-editor\" data-id=\"9739b53\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\"><p>Government support for the use of e-wallet applications can be seen through several government programs. The e-Tunai Rakyat program offers RM30 to qualified individuals through the ewallet application. In addition, the government through e-Penjana grants RM50 to 10.5 million Malaysians as one of the incentives during the pandemic. The distribution of money is also channeled through the e wallet method.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53c6545 elementor-widget elementor-widget-text-editor\" data-id=\"53c6545\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\"><p>Changes in daily transactions and muamalat through e-wallet demand for online forum to discuss ewallet from a legal and Shara \u2018perspective and the development of similar guidelines to guide the industry participants. The forum involves panel of Shariah, legal, IT and industry experts who can provide a clear view on proposed topic.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5e7246c elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5e7246c\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-09114fa\" data-id=\"09114fa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5af66fd elementor-widget elementor-widget-heading\" data-id=\"5af66fd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">OBJECTIVES<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-438fc1b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"438fc1b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-86b8aba\" data-id=\"86b8aba\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1c0e537b elementor-view-framed elementor-position-left elementor-vertical-align-middle elementor-shape-circle elementor-widget elementor-widget-icon-box\" data-id=\"1c0e537b\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span class=\"elementor-icon elementor-animation-\" >\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-book-reader\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span ><\/span>\n\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">To revive and nurture a research culture in the field of Shariah-based financial technology through\nindustry collaboration.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21a35120 elementor-view-framed elementor-position-left elementor-vertical-align-middle elementor-shape-circle elementor-widget elementor-widget-icon-box\" data-id=\"21a35120\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span class=\"elementor-icon elementor-animation-\" >\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-book\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span ><\/span>\n\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">Encourage the production of findings that can be applied through knowledge transfer activities.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-fe1e6a7\" data-id=\"fe1e6a7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-35cbcf00 elementor-view-framed elementor-position-left elementor-vertical-align-middle elementor-shape-circle elementor-widget elementor-widget-icon-box\" data-id=\"35cbcf00\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span class=\"elementor-icon elementor-animation-\" >\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-handshake\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span ><\/span>\n\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">Provide opportunities for academic staff and industry players to obtain input from the latest\nresearch in e-wallet applications conducted with JAKIM research and industry cooperation (Boost, Set,\nSarawak Pay and other players)\n<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-734d4a6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"734d4a6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a9b4e86\" data-id=\"a9b4e86\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-67b7df0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"67b7df0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-34017a4\" data-id=\"34017a4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0865711 elementor-widget elementor-widget-heading\" data-id=\"0865711\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">DATE AND PLACE<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d32be9 elementor-view-framed elementor-position-left elementor-vertical-align-middle elementor-shape-circle elementor-widget elementor-widget-icon-box\" data-id=\"1d32be9\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span class=\"elementor-icon elementor-animation-\" >\n\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-calendar-times\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span ><\/span>\n\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">Day : Sunday<br><span style=\"color: rgb(122, 122, 122); font-size: 16px; text-align: center; white-space: normal;\">Date: 24 January 2021<\/span><br style=\"color: rgb(122, 122, 122); font-size: 16px; text-align: center; white-space: normal;\"><span style=\"color: rgb(122, 122, 122); font-size: 16px; text-align: center; white-space: normal;\">Place: Online<\/span><\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-662a24e elementor-widget elementor-widget-heading\" data-id=\"662a24e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">ORGANIZERS<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-589a44e elementor-view-framed elementor-position-left elementor-vertical-align-middle elementor-shape-circle elementor-widget elementor-widget-icon-box\" data-id=\"589a44e\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span class=\"elementor-icon elementor-animation-\" >\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-scroll\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span ><\/span>\n\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\"><span style=\"color: rgb(122, 122, 122); font-size: 16px; text-align: center; white-space: normal;\">Consultants Group and Tijarah Holdings<\/span><\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-87e5d98\" data-id=\"87e5d98\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-56581b7 elementor-widget elementor-widget-heading\" data-id=\"56581b7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">AUDIENCE<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cffe622 elementor-view-framed elementor-position-left elementor-vertical-align-middle elementor-shape-circle elementor-widget elementor-widget-icon-box\" data-id=\"cffe622\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span class=\"elementor-icon elementor-animation-\" >\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chalkboard-teacher\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span ><\/span>\n\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\"><span style=\"color: rgb(122, 122, 122); font-size: 16px; text-align: center; white-space: normal;\">Academicians and industry<\/span><\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-82cee33 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"82cee33\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c06d3b5\" data-id=\"c06d3b5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-191decb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"191decb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-903f341\" data-id=\"903f341\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6727174 elementor-widget elementor-widget-heading\" data-id=\"6727174\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FORUM TENTATIVE<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-746a310 elementor-widget elementor-widget-image\" data-id=\"746a310\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/New-Tentative.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-title=\"New Tentative\">\n\t\t\t\t\t\t\t<img width=\"861\" height=\"302\" src=\"https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/New-Tentative.png\" class=\"attachment-large size-large\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/New-Tentative.png 861w, https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/New-Tentative-300x105.png 300w, https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/New-Tentative-768x269.png 768w, https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/New-Tentative-8x3.png 8w, https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/New-Tentative-36x13.png 36w, https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/New-Tentative-48x17.png 48w, https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/New-Tentative-600x210.png 600w\" sizes=\"(max-width: 861px) 100vw, 861px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-32bf70fb elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"32bf70fb\" data-element_type=\"section\" id=\"join\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7c177f8d\" data-id=\"7c177f8d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2cc4f3f6 elementor-widget elementor-widget-heading\" data-id=\"2cc4f3f6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-large\">Join FORUM ONLINE<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d8c3c9d elementor-widget elementor-widget-text-editor\" data-id=\"7d8c3c9d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\"><p>E-Wallet: Legal and Shariah Perspectives<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e7f6136 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e7f6136\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-f5f2f24\" data-id=\"f5f2f24\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-7111407f\" data-id=\"7111407f\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5cbbc858 elementor-widget elementor-widget-heading\" data-id=\"5cbbc858\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-large\">ONLINE FORUM<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5dbd24f elementor-widget elementor-widget-shortcode\" data-id=\"5dbd24f\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-shortcode\"><div class=\"woocommerce columns-1\"><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1615e303 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1615e303\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-670ce5fe elementor-align-left elementor-mobile-align-left elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"670ce5fe\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">24 January 2021<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">9.00am - 12.30pm<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Online<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">E-Wallet : Legal and Shariah Perspectives<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-a65ef1f\" data-id=\"a65ef1f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-65d561ab elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"65d561ab\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-46984e86\" data-id=\"46984e86\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-20650566 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"20650566\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-large\">LIST OF SPEAKERS<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d9e4e64 elementor-widget elementor-widget-spacer\" data-id=\"1d9e4e64\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-14b8cb54 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"14b8cb54\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wide\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3880c1bd\" data-id=\"3880c1bd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6b7d2284 elementor-widget elementor-widget-testimonial\" data-id=\"6b7d2284\" data-element_type=\"widget\" data-widget_type=\"testimonial.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-testimonial-wrapper elementor-testimonial-text-align-left\">\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-testimonial-meta elementor-has-image elementor-testimonial-image-position-aside\">\n\t\t\t\t<div class=\"elementor-testimonial-meta-inner\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-image\">\n\t\t\t\t\t\t\t<img width=\"276\" height=\"300\" src=\"https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/dr-asmadi.jpg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/dr-asmadi.jpg 276w, https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/dr-asmadi-8x8.jpg 8w, https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/dr-asmadi-33x36.jpg 33w, https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/dr-asmadi-44x48.jpg 44w\" sizes=\"(max-width: 276px) 100vw, 276px\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-details\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-name\">Prof Dr Asmadi Mohamed Naim <\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-job\">Professor, Islamic Business School, UUM<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f427f60 elementor-widget elementor-widget-testimonial\" data-id=\"4f427f60\" data-element_type=\"widget\" data-widget_type=\"testimonial.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-testimonial-wrapper elementor-testimonial-text-align-left\">\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-testimonial-meta elementor-has-image elementor-testimonial-image-position-aside\">\n\t\t\t\t<div class=\"elementor-testimonial-meta-inner\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-image\">\n\t\t\t\t\t\t\t<img width=\"202\" height=\"249\" src=\"https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/dr-azrul.jpg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/dr-azrul.jpg 202w, https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/dr-azrul-6x8.jpg 6w, https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/dr-azrul-29x36.jpg 29w, https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/dr-azrul-39x48.jpg 39w\" sizes=\"(max-width: 202px) 100vw, 202px\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-details\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-name\">Dr Azrul Azlan Iskandar Mirza<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-job\">Senior Lecturer, Faculty of Economics and Muamalat, USIM<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-610499e elementor-widget elementor-widget-testimonial\" data-id=\"610499e\" data-element_type=\"widget\" data-widget_type=\"testimonial.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-testimonial-wrapper elementor-testimonial-text-align-left\">\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-testimonial-meta elementor-has-image elementor-testimonial-image-position-aside\">\n\t\t\t\t<div class=\"elementor-testimonial-meta-inner\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-image\">\n\t\t\t\t\t\t\t<img width=\"225\" height=\"225\" src=\"https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/dr-zakhiri.jpg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/dr-zakhiri.jpg 225w, https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/dr-zakhiri-150x150.jpg 150w, https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/dr-zakhiri-8x8.jpg 8w, https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/dr-zakhiri-36x36.jpg 36w, https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/dr-zakhiri-48x48.jpg 48w, https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/dr-zakhiri-100x100.jpg 100w\" sizes=\"(max-width: 225px) 100vw, 225px\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-details\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-name\">Dr Mohd Zakhiri Md Nor<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-job\">Senior Lecturer, School of Law,  UUM<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3bbf9f40\" data-id=\"3bbf9f40\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-675a0d05 elementor-widget elementor-widget-testimonial\" data-id=\"675a0d05\" data-element_type=\"widget\" data-widget_type=\"testimonial.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-testimonial-wrapper elementor-testimonial-text-align-left\">\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-testimonial-meta elementor-has-image elementor-testimonial-image-position-aside\">\n\t\t\t\t<div class=\"elementor-testimonial-meta-inner\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-image\">\n\t\t\t\t\t\t\t<img width=\"224\" height=\"224\" src=\"https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/dr-nurul-1.jpg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/dr-nurul-1.jpg 224w, https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/dr-nurul-1-150x150.jpg 150w, https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/dr-nurul-1-8x8.jpg 8w, https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/dr-nurul-1-36x36.jpg 36w, https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/dr-nurul-1-48x48.jpg 48w, https:\/\/usimholdings.com\/wp-content\/uploads\/2020\/12\/dr-nurul-1-100x100.jpg 100w\" sizes=\"(max-width: 224px) 100vw, 224px\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-details\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-name\">Associate Professor Dr Nurul Aini Muhamed<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-job\">Associate Professor, Faculty of Economics and Muamalat, USIM<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fae591 elementor-widget elementor-widget-testimonial\" data-id=\"1fae591\" data-element_type=\"widget\" data-widget_type=\"testimonial.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-testimonial-wrapper elementor-testimonial-text-align-left\">\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-testimonial-meta elementor-has-image elementor-testimonial-image-position-aside\">\n\t\t\t\t<div class=\"elementor-testimonial-meta-inner\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-image\">\n\t\t\t\t\t\t\t<img width=\"669\" height=\"678\" src=\"https:\/\/usimholdings.com\/wp-content\/uploads\/2021\/01\/dr-azuan-baru-e1610446246783.png\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/usimholdings.com\/wp-content\/uploads\/2021\/01\/dr-azuan-baru-e1610446246783.png 669w, https:\/\/usimholdings.com\/wp-content\/uploads\/2021\/01\/dr-azuan-baru-e1610446246783-296x300.png 296w, https:\/\/usimholdings.com\/wp-content\/uploads\/2021\/01\/dr-azuan-baru-e1610446246783-8x8.png 8w, https:\/\/usimholdings.com\/wp-content\/uploads\/2021\/01\/dr-azuan-baru-e1610446246783-36x36.png 36w, https:\/\/usimholdings.com\/wp-content\/uploads\/2021\/01\/dr-azuan-baru-e1610446246783-48x48.png 48w, https:\/\/usimholdings.com\/wp-content\/uploads\/2021\/01\/dr-azuan-baru-e1610446246783-600x608.png 600w, https:\/\/usimholdings.com\/wp-content\/uploads\/2021\/01\/dr-azuan-baru-e1610446246783-100x100.png 100w\" sizes=\"(max-width: 669px) 100vw, 669px\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-details\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-name\">Dr Azuan bin Ahmad<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-job\">Senior Lecturer, Faculty of Science and Technology, USIM<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p> &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"E-wallet Forum\" class=\"read-more button\" href=\"https:\/\/usimholdings.com\/ms\/e-wallet-forum\/#more-1978\">Ketahui Lebih Lanjut<span class=\"screen-reader-text\">E-wallet Forum<\/span><\/a><\/p>","protected":false},"author":1,"featured_media":2686,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[22],"tags":[],"_links":{"self":[{"href":"https:\/\/usimholdings.com\/ms\/wp-json\/wp\/v2\/posts\/1978"}],"collection":[{"href":"https:\/\/usimholdings.com\/ms\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/usimholdings.com\/ms\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/usimholdings.com\/ms\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/usimholdings.com\/ms\/wp-json\/wp\/v2\/comments?post=1978"}],"version-history":[{"count":226,"href":"https:\/\/usimholdings.com\/ms\/wp-json\/wp\/v2\/posts\/1978\/revisions"}],"predecessor-version":[{"id":2805,"href":"https:\/\/usimholdings.com\/ms\/wp-json\/wp\/v2\/posts\/1978\/revisions\/2805"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/usimholdings.com\/ms\/wp-json\/wp\/v2\/media\/2686"}],"wp:attachment":[{"href":"https:\/\/usimholdings.com\/ms\/wp-json\/wp\/v2\/media?parent=1978"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/usimholdings.com\/ms\/wp-json\/wp\/v2\/categories?post=1978"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/usimholdings.com\/ms\/wp-json\/wp\/v2\/tags?post=1978"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}