“Digital Financial Literacy and QRIS Adoption: A Literature Review on Perceptions of Convenience, Security, Benefits, and Trust” (2026) International Conference on Islamic Economics (ICIE), 3, hlm. 45–54. Tersedia pada: https://proceeding.uingusdur.ac.id/index.php/icie/article/view/3474 (Diakses: 14 September 2026).