Formulation of a novel HRV classification model as a surrogate fraudulence detection schema by Tan, Tian Swee, Kelvin, Ling Chia Hiik, Tan, Jia Hou, Leong, Kah Meng, Abdul-Kadir, Mohammed Rafiq, A. Harris, Arief Ruhullah, Mohd. Rafi, Muhamad Firdaus, Leo, Bodey, Yii, Cheng Tay, Yahya, Azli, Joyce, Sia Sin Yin, Matthias, Tiong Foh Thye, Tengku Alang, Tengku Ahmad Iskandar, Malik, Sameen Ahmed

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