Cheery Sheffia Agustine and Ketut Sunaryanto (2025) “Pengaruh Perceived Usefulness, Social Influence dan Perceived Risk terhadap Intention To Use Qris”, GEMILANG: Jurnal Manajemen dan Akuntansi, 6(1), pp. 293–310. doi: 10.56910/gemilang.v6i1.3450.