Sangwichitr, Klangjai, and Panern Intara. “Factor Analysis and Behavior Intention in Debit Card Using of Undergraduates”. Modern Management Frontier Journal 21, no. 2 (December 27, 2023): 17–30. accessed October 9, 2026. https://so04.tci-thaijo.org/index.php/stou-sms-pr/article/view/267717.