Ramadhan W, Daga R, Samad A. Analisis Perilaku Nasabah Bank CIMB Niaga Makassar Terhadap Sistem Pembayaran Non Tunai QRIS. JSMN [Internet]. 2023 Nov. 15 [cited 2026 May 2];2(2):255-67. Available from: https://ojs.nitromks.ac.id/jsmn/article/view/172