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\ \\ / //  |  ___||  | \| ||  |  ___||   ____    
 \ \/ //   | ||__    |  ' ||  | ||__    |    \\  
  \  //    | ||__    | .  ||  | ||__    | [] ||  
   \//     |_____||  |_|\_||  |_____||  |  __//  
    `      `-----`   `-` -`   `-----`   |_|`-`   
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發送短信 : Determinants of non-cash payments in Asian countries