Amelia, Amara, Susilanintyas B K, and Syahriar Abdullah. “The Effect Of Effectiveness, Efficiency, And Financial Literacy On The Decision To Use QRIS As A Digital Payment System In Msmes: A Case Study In Surakarta City”. ICEETE Conference Series 3, no. 1 (August 5, 2025): 403-410. Accessed October 23, 2025. https://prosiding.utp.ac.id/index.php/ICEETE/article/view/269.