Fadhil Muhammad, Arif Imam Suroso, and Setiadi Djohar. “Factors Influencing The Use of QRIS in Digital Transactions”. Jurnal Aplikasi Bisnis dan Manajemen 10, no. 3 (September 28, 2024): 858. Accessed December 23, 2025. https://journal.ipb.ac.id/jabm/article/view/53096.