Arevalo AT, Cordial J, Lonceras LF, Magat JF, Ogarte N, Raygon GJ. Implications of digital payments on market appreciation of MSMEs in Naga City. GPH-IJBM [Internet]. 30Dec.2024 [cited 5Mar.2026];7(12):227-51. Available from: https://www.gphjournal.org/index.php/bm/article/view/1679