-Puripunpinyoo, Anucha Wittayakorn. “ The Intersection of Financial Technology and Higher Education: Opportunities, Challenges, and Implications”. Electronic Journal of Business and Management 9, no. S1 (May 1, 2024): 1–13. Accessed April 24, 2026. https://ejbm.apu.edu.my/index.php/EJBM/article/view/214.