KAHFI LUBIS, Nasrul. Unlocking The Path to Adoption: Exploring The Effect of Intention to Use to Actual Use QRIS Payment Systems. International Conference Epicentrum of Economic Global Framework, [S. l.], p. 382–397, 2024. Disponível em: https://proceeding.pancabudi.ac.id/index.php/ICEEGLOF/article/view/102. Acesso em: 13 dec. 2025.