Rita J D Atarwaman, et al. “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), vol. 3, no. 1, Jan. 2026, pp. 38-43, doi:10.62567/micjo.v3i1.1953.