Intani, Vilka, Suhaidar Suhaidar, and Firman Rahmadoni. “Pengaruh Persepsi Kemudahan, Persepsi Manfaat Dan Persepsi Risiko Terhadap Niat Pelaku UMKM Kota Pangkalpinang Menggunakan Quick Response Code Indonesian Standard (QRIS)”. Innovative: Journal Of Social Science Research 4, no. 5 (September 20, 2024): 3330–3342. Accessed May 12, 2026. https://j-innovative.org/index.php/Innovative/article/view/15369.