APA-viite (7. p.)

Eloy, K. Z. C., Labada, M. E. C., Mancol, S. M. R., & Dacuyan, F. B. Barriers and enablers on the adoption of digital payments among retail consumers in Tacloban City.

Chicago-viite (17. p.)

Eloy, Kristine Zaine C., Mikee Ellaine C. Labada, Shaina Marie R. Mancol, ja Flordeliz B. Dacuyan. Barriers and Enablers on the Adoption of Digital Payments Among Retail Consumers in Tacloban City.

MLA-viite (9. p.)

Eloy, Kristine Zaine C., et al. Barriers and Enablers on the Adoption of Digital Payments Among Retail Consumers in Tacloban City.