RAON, C. J. B.; DE LEON, M. V.; DUI, R. Adoption of E-Payment Systems in the Philippines. Jurnal ILMU KOMUNIKASI, [S. l.], v. 18, n. 1, p. 123–136, 2021. DOI: 10.24002/jik.v18i1.3197. Disponível em: https://ojs.uajy.ac.id/index.php/jik/article/view/3197. Acesso em: 26 oct. 2025.