Namaneewan, Satakhun, and Dr.Attasuda Lerskullawat. “Factors Affecting Credit Card Loans of Financial Institutions in Thailand”. KKU Research Journal (Graduate Studies) Humanities and Social Sciences 11, no. 2 (November 27, 2023): 52–66. accessed December 5, 2025. https://so04.tci-thaijo.org/index.php/gskkuhs/article/view/264286.