Wijaya, Yaziid Akmal Gymnastiar, Virza Setya Almindanu, and Sentot Imam Wahjono. 2025. “Analisis Fintech Qris Terhadap Payment Dan Perilaku Konsumsi Genenasi Z”. Journal of Innovative and Creativity 5 (2):4229-36. https://doi.org/10.31004/joecy.v5i2.694.