NIKEN SAVITRI PRIMASARI. The Utilization of QRIS as a Digital Payment Innovation to Improve Operational Efficiency and Profitability of MSMEs with Digital Financial Literacy as a Moderating Variable. International Conference on Digital Business Innovation and Technology Management (ICONBIT), [S. l.], v. 1, n. 2, 2025. Disponível em: https://proceeding.unesa.ac.id/index.php/iconbit/article/view/5935. Acesso em: 7 nov. 2025.