Julio Esmade

Contact: jre*****@neu.edu.ph Unverified

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Publications

Exploring Experiences of Customers in Paying Bills in Selected Local Payment Centers

Psychology and Education: A Multidisciplinary Journal 2025 46(4) 415-425

Authors: Cecille Ramos Sanchez-Bastes , Julio Esmade , Mercedes Esmade , Luningning DeCastro

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