“A PERCEIVE EFFECTIVENESS OF E-WALLETS AS FORM OF PAYMENT AMONG GRADE 12 STUDENTS”. Ascendens Asia Singapore – Bestlink College of the Philippines Journal of Multidisciplinary Research, vol. 7, no. 1, Jan. 2026, https://ojs.aaresearchindex.com/index.php/aasgbcpjmra/article/view/14809.