YAWISED, K.; APASRAWIROTE, D. Factors Influencing Actual Use of e-Payment Adoption by SMEs in Phitsanulok. Journal of Business, Innovation and Sustainability (JBIS), [S. l.], v. 17, n. 4, 2022. Disponível em: https://so02.tci-thaijo.org/index.php/BECJournal/article/view/248372. Acesso em: 20 ก.ย. 2026.