Lowphansirikul, Lalita
Polpanumas, Charin
Rutherford, Attapol T. http://orcid.org/0000-0003-2270-6082
Nutanong, Sarana
Funding for this research was provided by:
Digital Economy Promotion Agency Thailand (MP-62-003)
Thailand Research Fund (MRG6280175)
Chulalongkorn University
Siam Commercial Bank
Article History
Accepted: 2 March 2021
First Online: 30 March 2021