I Made Baladika Vikrama Putra, Velly Anatasia and Alexander Robert (2026) “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), 4(5), pp. 2254–2275. doi: 10.61990/ijamesc.v4i5.921.