C. J. . Delima, A. J. . Pecundo, J. M. . Cabahug, and K. M. . Geloca, “Exploring the Barriers of Non-Full Adoption of Cashless Payments among Retail Stores in Digos City: An Exploratory Factor Analysis”, AJBMI, vol. 1, no. 1, pp. 161–172, Oct. 2026, doi: 10.54536/ajbmi.v1i1.8669.