wahyuningsih, wahyuningsih, and Alam Avrianto. “QRIS Adoption by MSMEs in the UTAUT Perspective”. Business Innovation and Entrepreneurship Journal 5, no. 4 (November 30, 2023): 258-266. Accessed July 6, 2025. http://ejournals.fkwu.uniga.ac.id/index.php/BIEJ/article/view/679.