KHAIRANI, Nerli; SARAGIH, Agnes Yulia; PANGGABEA, Widi Ningsih; MANIHURUK, Oliver Juan Gery. Pengaruh QRIS terhadap Efisiensi Operasional UMKM pada Era Transformasi Digital: Study Literatur. Innovative: Journal Of Social Science Research, [S. l.], v. 5, n. 3, p. 6764–6774, 2025. DOI: 10.31004/innovative.v5i3.20041. Disponível em: https://j-innovative.org/index.php/Innovative/article/view/20041. Acesso em: 2 may. 2026.