Rita J D Atarwaman (2026) “QRIS IMPLEMENTATION IN MSMES:A STUDY OF EASE OF USE AND ITS IMPACT ON TRANSACTION EFFICIENCY (STUDY OF MSMES IN KECAMATAN TELUK AMBON )”, Multidisciplinary Indonesian Center Journal (MICJO), 3(1), pp. 38–43. doi: 10.62567/micjo.v3i1.1953.