<?xml version="1.0" encoding="UTF-8"?>
<xml><bibliography><APA>Yu และ Zou. (2020) The Adoption Behavior of Chinese Mobile Financial Application. University of the Thai Chamber of Commerce:ม.ป.ท.</APA><Chicago>Yu และ Zou. 2020. The Adoption Behavior of Chinese Mobile Financial Application. ม.ป.ท.:University of the Thai Chamber of Commerce;</Chicago><MLA>Yu และ Zou.  The Adoption Behavior of Chinese Mobile Financial Application.  ม.ป.ท.:University of the Thai Chamber of Commerce, 2020. Print.</MLA></bibliography></xml>
