“Analysis of Opportunities and Challenges of QRIS Implementation in MSMEs: A Business Owner’s Perspective”, icie, vol. 1, no. 1, hlm. 1519–1524, Des 2024, Diakses: 14 September 2026. [Daring]. Tersedia pada: https://proceeding.uingusdur.ac.id/index.php/icie/article/view/2630