Ikwanto, Azisma Nur Putri, and Farida Indriani. “The Impact of Perceived Usefulness, Perceived Ease of Use, and Digital Literacy on QRIS Adoption”. Research Horizon 4, no. 6 (December 11, 2024): 281–290. Accessed April 19, 2026. https://lifescifi.com/journal/index.php/RH/article/view/422.