Haanii Haritsa Yuzen, Pujy Yonesha, Fanisa Suseno, and Hesi Eka Puteri. “QRIS Vs E-Wallets: User Adoption and Merchant Acceptance in the Digital Payment Landscape”. GIC Proceeding 3, no. 1 (September 19, 2025): 153–162. Accessed May 19, 2026. https://proceedings.uinbukittinggi.ac.id/index.php/gic/article/view/855.