C. M. Madagat, X. K. Tiongco, G. Crispo, and K. M. Geloca, “Digital Lending Preferences among Community Members in Digos City: A Conjoint Analysis”, Am. J. Econ. Bus. Innov., vol. 5, no. 3, pp. 64–71, Oct. 2026, doi: 10.54536/ajebi.v5i3.8636.