“CROSS-BORDER PAYMENT DIGITALIZATION: THE PHENOMENON OF QRIS ACCEPTANCE IN MALAYSIA FROM THE PERSPECTIVE OF THE DIGITAL ECONOMY AND MSME EMPOWERMENT”. 2026. Prosiding Amal Insani Foundation, vol. 3, Feb. 2026, pp. 73-84, https://prosiding.amalinsani.org/index.php/semnas/article/view/10.