Ramadhan, Wardianto, Rosnaini Daga, and Abdul Samad. “Analisis Perilaku Nasabah Bank CIMB Niaga Makassar Terhadap Sistem Pembayaran Non Tunai QRIS”. Jurnal Sains Manajemen Nitro 2, no. 2 (November 15, 2023): 255–267. Accessed May 2, 2026. https://ojs.nitromks.ac.id/jsmn/article/view/172.