SIMATUPANG, Ilma Aptriyani; ZR, Dwi Sekar Ayu. Transformasi Pembayaran Digital UMKM melalui QRIS: Analisis Persepsi Pelaku Usaha di Sumatera Utara. 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: 1 agu. 2026.