Zikri, Zikriatul Ulya, Safwandi, and Miftahul Jannah. “Pengaruh Pengetahuan, Kemudahan Dan Risiko Terhadap Keputusan Penggunaan Quick Response Indonesian Standart (QRIS)”. Journal Research of Economic and Bussiness 2, no. 01 (January 10, 2023): 9–20. Accessed August 25, 2025. https://journal.aira.or.id/index.php/j-reb/article/view/230.