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