@article{mark2025,
title = {Click to Pay: Understanding E-Payment Adoption in Government Transactions Through Perceived Usefulness},
author = {Mark Joseph Mabaga and Andrea Baliguat and Marvin Pentecostes and Kleven Jake Villamor},
journal = {Psychology and Education: A Multidisciplinary Journal},
volume = {48},
number = {5},
pages = {799-806},
year = {2025},
doi = {10.70838/pemj.480508},
}