“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 3 (February 13, 2026): 73–84. Accessed April 19, 2026. https://prosiding.amalinsani.org/index.php/semnas/article/view/10.