BRATA, H.; SENGAJI, Z. . Pengaruh Persepsi Kemudahan Penggunaan, Persepsi Manfaat Dan Gaya Hidup Terhadap Keputusan Pembayaran Digital Qris (Quick Response Code Indonesian Standard) Pada Mahasiswa Universitas Muhammadiyah Kalianda. Journal of Innovative and Creativity, [S. l.], v. 5, n. 2, p. 24900–24909, 2025. DOI: 10.31004/joecy.v5i2.3546. Disponível em: https://joecy.org/index.php/joecy/article/view/3546. Acesso em: 18 oct. 2026.