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<xml><bibliography><APA>Thipa Mahakittikun และ Sid Suntrayuth. (2020) Mobile payment and firm performance: from the perspective or retail and service sector. National Institute of Development Administration:ม.ป.ท.</APA><Chicago>Thipa Mahakittikun และ Sid Suntrayuth. 2020. Mobile payment and firm performance: from the perspective or retail and service sector. ม.ป.ท.:National Institute of Development Administration;</Chicago><MLA>Thipa Mahakittikun และ Sid Suntrayuth.  Mobile payment and firm performance: from the perspective or retail and service sector.  ม.ป.ท.:National Institute of Development Administration, 2020. Print.</MLA></bibliography></xml>
