CROSS-BORDER PAYMENT DIGITALIZATION: THE PHENOMENON OF QRIS ACCEPTANCE IN MALAYSIA FROM THE PERSPECTIVE OF THE DIGITAL ECONOMY AND MSME EMPOWERMENT. Prosiding Amal Insani Foundation, [S. l.], v. 3, p. 73–84, 2026. Disponível em: https://prosiding.amalinsani.org/index.php/semnas/article/view/10. Acesso em: 19 apr. 2026.