Fella Fitriani and Abdul Mukti Soma (2026) “THE INFLUENCE OF FINANCIAL LITERACY, PERCEIVED EASE OF USE, PERCEIVED RISK, AND LIFESTYLE MODERATED BY GENDER ON THE ADOPTION OF QRIS AS A CASHLESS PAYMENT METHOD (A Case Study of Generation Z in Greater Bandung)”, Multidisciplinary Indonesian Center Journal (MICJO), 3(1), pp. 1174–1187. doi: 10.62567/micjo.v3i1.1981.