I MADE BALADIKA VIKRAMA PUTRA; VELLY ANATASIA; ALEXANDER ROBERT. FINANCIAL LITERACY, PERCEPTIONS, AND QRIS ADOPTION AS DRIVERS OF COMPETITIVE ADVANTAGE: EVIDENCE FROM MADURA CONVENIENCE STORES IN INDONESIA. International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC), [S. l.], v. 4, n. 5, p. 2254–2275, 2026. DOI: 10.61990/ijamesc.v4i5.921. Disponível em: https://ijamesc.com/index.php/go/article/view/921. Acesso em: 21 sep. 2026.