Kahfi Lubis N. Unlocking The Path to Adoption: Exploring The Effect of Intention to Use to Actual Use QRIS Payment Systems. ICEEGLOF [Internet]. 2024 Aug. 20 [cited 2025 Jan. 23];1(1):382-97. Available from: https://proceeding.pancabudi.ac.id/index.php/ICEEGLOF/article/view/102