Homchan, N., and S. Chirapanda. “Study the Perception and Understanding of the Use of the Application GHB ALL BFRIEND in Submitting a Debt Reconciliation Application by a Government Housing Bank Loan Employee Bangkok and Metropolitan Branch Department”. Journal of Dhamma for Life, vol. 30, no. 2, June 2024, pp. 193-04, https://so08.tci-thaijo.org/index.php/dhammalife/article/view/2767.