1.
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. ICONBIT [Internet]. 2025 Aug. 4 [cited 2025 Sep. 18];1(2). Available from: https://proceeding.unesa.ac.id/index.php/iconbit/article/view/5935