<?xml version="1.0" encoding="UTF-8"?>
<xml><bibliography><APA>Sumontha Toungsittinun. (2569) Factors Influencing Intention to Use Retail Loan Services Through Artificial Intelligence Approval. &lt;i&gt;Journal of information systems in Business&lt;/i&gt;, &lt;i&gt;12&lt;/i&gt;(1), 35.</APA><Chicago>Sumontha Toungsittinun. "Factors Influencing Intention to Use Retail Loan Services Through Artificial Intelligence Approval". Journal of information systems in Business  12 (2569):35.</Chicago><MLA>Sumontha Toungsittinun. Factors Influencing Intention to Use Retail Loan Services Through Artificial Intelligence Approval. MSMIS Thammasat University:ม.ป.ท. 2569.</MLA></bibliography></xml>
