Haanii Haritsa Yuzen, Pujy Yonesha, Fanisa Suseno and Hesi Eka Puteri 2025. QRIS vs E-Wallets: User adoption and merchant acceptance in the digital payment landscape. GIC Proceeding. 3, 1 (Sep. 2025), 153–162. DOI:https://doi.org/10.30983/gic.v3i1.855.