KADEK ERMA DAMAYANTI; I GUSTI AYU MADE ASRI DWIJA PUTRI. Financial Literacy, Inclusion, and Technology Adoption: Determinants of QRIS Utilization Among SMEs. E-Jurnal Akuntansi, [S. l.], v. 35, n. 11, 2025. Disponível em: https://ejournal1.unud.ac.id/index.php/akuntansi/article/view/3288. Acesso em: 8 dec. 2025.