Fauziah , . K. W. A., Juwiyan, Y. L., Lestari, M. I., Kurniawati , H., & Deviarti, H. (2025). The QRIS Effect: What Truly Motivates MSMEs to Go Digital?. Airlangga Journal of Innovation Management, 6(2), 280–302. https://doi.org/10.20473/ajim.v6i2.72231