<?xml version="1.0" encoding="UTF-8"?>
<xml><bibliography><APA>Kutida Malison. (2565) Motivation Factors and Obstacle Factors for Mobile Financial Transactions among Thai Consumers. &lt;i&gt;Journal of information systems in Business  JISB&lt;/i&gt;, &lt;i&gt;8&lt;/i&gt;(2), 68.</APA><Chicago>Kutida Malison. "Motivation Factors and Obstacle Factors for Mobile Financial Transactions among Thai Consumers". Journal of information systems in Business  JISB  8 (2565):68.</Chicago><MLA>Kutida Malison. Motivation Factors and Obstacle Factors for Mobile Financial Transactions among Thai Consumers. MSMIS Thammasat University:ม.ป.ท. 2565.</MLA></bibliography></xml>
