SIMATUPANG, Ilma Aptriyani; ZR, Dwi Sekar Ayu. Digital Payment Transformation of MSMEs through QRIS: An Analysis of MSME Owners’ Perceptions in North Sumatra. Journal of Social Inquiry and Perspectives, [S. l.], v. 1, n. 1, p. 27–37, 2026. Disponível em: https://skadipress.com/index.php/JSIP/article/view/11. Acesso em: 4 may. 2026.