K. Preungvate, T. Chaiyot, K. Ponchaitiwat, W. Thangchan, and P. Kijkasiwat, “Effects of Psychological Barriers to E-payment on Alternative Attractiveness and Intention to Use: A Conceptual Framework”, RMUTT J Hum Soc Sci, vol. 13, no. 1, pp. 105–114, Jun. 2026.