YAKEAN, S. Personal Financial Planning in the Cashless Society of Population in Phayao Municipality, Muang District, Phayao Province. NIDA Business Journal, Bangkok, Thailand, n. 27, p. 113–135, 2022. Disponível em: https://so10.tci-thaijo.org/index.php/NIDABJ/article/view/102. Acesso em: 19 sep. 2025.