Arriola, Brix Refil. “Behavioral Economics Behind Digital Banking Adoption and Retention in the Philippines”. International Journal of Multidisciplinary: Applied Business and Education Research 6, no. 8 (August 23, 2025): 4158–4189. Accessed January 23, 2026. https://ijmaberjournal.org/index.php/ijmaber/article/view/2575.