D. M. MAMHOT and F. J. SULLERA, “Optimizing Offsite Payment Systems: Understanding Client Preferences and Overcoming Barriers at Foundation University”, Int. Multidiscip. J. Res. Innov. Sustain. Excell. , vol. 2, no. 5, pp. 399–417, May 2025, doi: 10.5281/zenodo.15430357.