Gloria B. Abrazado, Carmelita M. Coronel, and Geralyn C. Ocampo, “Utilization of Digital Financial Transactions and Perspectives of Digital Payment among School Employees”, JBMS, vol. 6, no. 6, pp. 01–18, Nov. 2024, doi: 10.32996/jbms.2024.6.6.1.