Simatupang IA, Zr DSA. Digital Payment Transformation of MSMEs through QRIS: An Analysis of MSME Owners’ Perceptions in North Sumatra. JSIP [Internet]. 2026 Feb. 28 [cited 2026 May 4];1(1):27-3. Available from: https://skadipress.com/index.php/JSIP/article/view/11