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<xml><bibliography><APA>Suppasitang Tamseewan. (2566) Factors Effecting Users' Intention to Adopt Retail Central Bank Digital Currency (Retail CBDC). &lt;i&gt;Journal of information systems in Business  JISB&lt;/i&gt;, &lt;i&gt;9&lt;/i&gt;(1), 22.</APA><Chicago>Suppasitang Tamseewan. "Factors Effecting Users' Intention to Adopt Retail Central Bank Digital Currency (Retail CBDC)". Journal of information systems in Business  JISB  9 (2566):22.</Chicago><MLA>Suppasitang Tamseewan. Factors Effecting Users' Intention to Adopt Retail Central Bank Digital Currency (Retail CBDC). MSMIS Thammasat University:ม.ป.ท. 2566.</MLA></bibliography></xml>
