ESPELETA, Rina Marie. Utilization of Standard Electronic Payment System among Private Higher Education Institutions in the Province of Albay. JÉ«»¨ÌÃÂÛ̳ Multidisciplinary É«»¨ÌÃÂÛ̳, Philippines, v. 50, n. 1, p. 140–158, 2022. DOI: . Disponível em: /index.php/jpair/article/view/571. Acesso em: 7 jun. 2025.