ARRIOLA, Brix Refil. Behavioral Economics Behind Digital Banking Adoption and Retention in the Philippines. International Journal of Multidisciplinary: Applied Business and Education Research, Malang, Indonesia, v. 6, n. 8, p. 4158–4189, 2025. DOI: 10.11594/ijmaber.06.08.32. Disponível em: https://ijmaberjournal.org/index.php/ijmaber/article/view/2575. Acesso em: 23 jan. 2026.