Chat Chuchuen, and Manawin Songkroh. “Factors in National Electronic Payment Adoption in the View of SMEs Business Sector and Their Customers”. NBTC Journal 4, no. 4 (December 17, 2020): 310–332. Accessed March 28, 2024. https://so04.tci-thaijo.org/index.php/NBTC_Journal/article/view/242864.