DEA OSSELLA, L.; SETIAWAN, A. Understanding QRIS Adoption in Indonesian Micro, Small, and Medium Enterprises through the UTAUT Lens. International Journal of Digital Business and Analytics, [S. l.], v. 1, n. 1, 2026. Disponível em: https://ejournal2.uinsaid.ac.id/index.php/IJDIBA/article/view/234. Acesso em: 28 jul. 2026.