Izzat Alwi Alaydrus, & Sahat. (2026). HOW QRIS ECOSYSTEM BECAME INDONESIA’S ACCOUNT-BASED ALTERNATIVE TO CARD-CENTRIC NFC PAYMENTS. International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC), 4(5), 2405–2416. https://doi.org/10.61990/ijamesc.v4i5.838