APA (7 वां संस्करण) प्रशस्ति पत्र

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.

शिकागो शैली (17वां संस्करण) प्रशस्ति पत्र

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

एमएलए (9वां संस्करण) प्रशस्ति पत्र

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

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