Ericka Janet Villamares Hernández, Uldarico Canchari Vásquez, Jesus Enrique Reyes Acevedo, Esther Jesus Vilca Perales,. 2024. “Artificial Intelligence and Machine Learning to Enhance E-Money Utilisation and Human Resource Development in Ica Agro-Export Firms”. International Journal of Intelligent Systems and Applications in Engineering 12 (21s):1546-52. https://www.ijisae.org/index.php/IJISAE/article/view/5625.