@article{jhonny2026,
title = {Online Payment System Adoption and Purchase Decisions of College Students},
author = {Jhonny Cantorne Ayag and Jingle Marie Amago},
journal = {Psychology and Education: A Multidisciplinary Journal},
volume = {62},
number = {10},
pages = {1207-1218},
year = {2026},
doi = {10.70838/PEMJ.621004},
}