HAANII HARITSA YUZEN; PUJY YONESHA; FANISA SUSENO; HESI EKA PUTERI. QRIS vs E-Wallets: User adoption and merchant acceptance in the digital payment landscape. GIC Proceeding, [S. l.], v. 3, n. 1, p. 153–162, 2025. DOI: 10.30983/gic.v3i1.855. Disponível em: https://proceedings.uinbukittinggi.ac.id/gic/article/view/855. Acesso em: 17 mar. 2026.