Pansuppawatt, A. ., Y. . Samart, P. . Thoumrungroje, and P. . Pansuppawatt. “Causal Factors of Intention to Use E-Payment: An Empirical Investigation in Thailand”. Journal of Business Administration The Association of Private Higher Education Institutions of Thailand, vol. 13, no. 1, Jan. 2024, pp. 33-47, https://so02.tci-thaijo.org/index.php/apheitvu/article/view/259118.