Ericka Janet Villamares Hernández, Uldarico Canchari Vásquez, J. E. R. A. E. J. V. P. . “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, vol. 12, no. 21s, Mar. 2024, pp. 1546-52, https://www.ijisae.org/index.php/IJISAE/article/view/5625.