IZZAT ALWI ALAYDRUS; SAHAT. HOW QRIS ECOSYSTEM BECAME INDONESIA’S ACCOUNT-BASED ALTERNATIVE TO CARD-CENTRIC NFC PAYMENTS. International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC), [S. l.], v. 4, n. 5, p. 2405–2416, 2026. DOI: 10.61990/ijamesc.v4i5.838. Disponível em: https://ijamesc.com/index.php/go/article/view/838. Acesso em: 28 sep. 2026.