REYNON, MARIEL KATRINA, PETER CARLO BULATAO, JOSCELLE ANN VERGEL, LAUREN ASHLEY YABUT, and JUN GRIMALDO. “Consumer’s Attitude on Online Payment Systems As Driven by Risks”. Journal of Business and Management Studies 4, no. 2 (March 23, 2022): 13–26. Accessed August 7, 2025. https://al-kindipublishers.org/index.php/jbms/article/view/3116.