Ariani, Farida, et al. “The Development of Quick Response Code Indonesian Standard (QRIS) Transactions and Their Implications for Banking Third-Party Funds in North Sumatra Province, 2019–2025”. International Conference Epicentrum of Economic Global Framework, Mar. 2026, pp. 743-57, https://proceeding.pancabudi.ac.id/index.php/ICEEGLOF/article/view/1653.