Kadek Erma Damayanti, and I Gusti Ayu Made Asri Dwija Putri. “Financial Literacy, Inclusion, and Technology Adoption: Determinants of QRIS Utilization Among SMEs”. E-Jurnal Akuntansi 35, no. 11 (November 30, 2025). Accessed December 8, 2025. https://ejournal1.unud.ac.id/index.php/akuntansi/article/view/3288.