{"authors":["Bea Dela Peña","Camille Alferez","Cindy Alvarez","Rea Edzen Bacalso","Reinhardt Kester Barcenas","Natasha Marie Canillo","John Clyde Genon","Laica Mae Langi","Cirilo Adorable","Stella Marie Botanas","Jessalyn Alqueza","Jethru Botanas"],"doi":"10.70838/pemj.550908","id":7786,"issue":9,"journal":{"issn":"2822-4353","name":"Psychology and Education: A Multidisciplinary Journal"},"licence":"CC BY-NC-ND 4.0","pdf_sha256":"a02c3891e5965a1cb1f5fd4c56f042e6fd28f2070123d7d0dca7f0ef79e8ff79","published":"2026-04-28","schema":"scimatic-publication/1","supersedes":null,"title":"Evaluating Transaction Convenience of Cash and Digital Payments in Toledo City: The Role of Risk and Trust as Moderators","url":"https://scimatic.org/show_manuscript/7786","version":1,"volume":55}