Jirathumrong, P., P. Intara, K. Sangwichitr, and N. Mann. “Cognition and Behavior in Personal Financial Planning of People in Hatyai City”. WMS Journal of Management, Vol. 8, no. 2, Apr. 2019, pp. 1-17, https://so06.tci-thaijo.org/index.php/wms/article/view/184356.