The Effectiveness of QRIS Tap in Improving the Speed and Efficiency of Payment Systems in Indonesia . International Conference on Islamic Economics (ICIE), [S. l.], v. 3, p. 1–7, 2026. Disponível em: https://proceeding.uingusdur.ac.id/index.php/icie/article/view/3498. Acesso em: 26 sep. 2026.