QRIS, Digital Wallets, and Changes in Transaction Patterns of Indonesian People. Digitomics: Journal of Economics and Digital Transformation, [S. l.], v. 1, n. 1, p. 23–42, 2026. Disponível em: https://kiswantara.id/index.php/digitomics/article/view/19. Acesso em: 20 oct. 2026.