Izzat Alwi Alaydrus, Sahat. HOW QRIS ECOSYSTEM BECAME INDONESIA’S ACCOUNT-BASED ALTERNATIVE TO CARD-CENTRIC NFC PAYMENTS. IJAMESC [Internet]. 2026 Sep. 26 [cited 2026 Sep. 27];4(5):2405-16. Available from: https://ijamesc.com/index.php/go/article/view/838