Saputro, R. E. (2025) “DIGITAL TRANSFORMATION OF SMEs IN KEDIRI: THE IMPACT OF QRIS ADOPTION”, Maliki Interdisciplinary Journal, 3(11), pp. 1255–1269. Available at: https://urj.uin-malang.ac.id/index.php/mij/article/view/18728 (Accessed: 1 August 2026).