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<xml><bibliography><APA>Yishan Pan และ Nattapan Buavaraporn. (2021) FACTORS AFFECTING CONSUMER INTENTION TO USE MOBILE PAYMENT AT PHYSICAL RETAIL PLACES IN HANGZHOU, CHINA. &lt;i&gt;UTCC International Journal of Business and Economics&lt;/i&gt;, &lt;i&gt;13&lt;/i&gt;(3), 19-42.</APA><Chicago>Yishan Pan และ Nattapan Buavaraporn. "FACTORS AFFECTING CONSUMER INTENTION TO USE MOBILE PAYMENT AT PHYSICAL RETAIL PLACES IN HANGZHOU, CHINA". UTCC International Journal of Business and Economics  13 (2021):19-42.</Chicago><MLA>Yishan Pan และ Nattapan Buavaraporn. FACTORS AFFECTING CONSUMER INTENTION TO USE MOBILE PAYMENT AT PHYSICAL RETAIL PLACES IN HANGZHOU, CHINA. University of the Thai Chamber of Commerce:ม.ป.ท. 2021.</MLA></bibliography></xml>
