Chotitumtara, Adisak, and Kanokkarn Snae Namahoot. “Assessing the Optimal Digital Banking Model for Service Users in Thailand: A Structural Equation Modelling Approach to Risk Analysis”. International Journal of Membrane Science and Technology 10, no. 5 (October 5, 2023): 111-130. Accessed December 11, 2024. https://cosmosscholars.com/phms/index.php/ijmst/article/view/2428.