Arevalo, Allan Timothy, Jocelyn Cordial, Lizsyte Franz Lonceras, Josam Fren Magat, Nico Ogarte, and Gian Joseph Raygon. “Implications of Digital Payments on Market Appreciation of MSMEs in Naga City”. GPH-International Journal of Business Management 7, no. 12 (December 30, 2024): 227-251. Accessed September 11, 2025. https://gphjournal.org/index.php/bm/article/view/1679.