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<xml><bibliography><APA>Ratana Buaban และ Kanitsorn Terdpaopong. (2025) Operational Efficiency of Companies in Financial Secter : Banking Group after Thailand 4.0 Policy. &lt;i&gt;Journal of Accounting Profession (JAP)&lt;/i&gt;, &lt;i&gt;21&lt;/i&gt;(69 (March 2025)), 58.</APA><Chicago>Ratana Buaban และ Kanitsorn Terdpaopong. "Operational Efficiency of Companies in Financial Secter : Banking Group after Thailand 4.0 Policy". Journal of Accounting Profession (JAP)  21 (2025):58.</Chicago><MLA>Ratana Buaban และ Kanitsorn Terdpaopong. Operational Efficiency of Companies in Financial Secter : Banking Group after Thailand 4.0 Policy. Thammasat Business School, Thammasat University:ม.ป.ท. 2025.</MLA></bibliography></xml>
