Khotimah, Ananda Chusnul, Micha Fadilla Kusnaindar, and Winda Carsika. “PENGARUH PEMBAYARAN QRIS DAN E-WALLET TERHADAP POLA BELANJA MAHASISWA”. Jurnal ESIT (E-Bisnis, Sistem Informasi, Teknologi Informasi) 20, no. 3 (December 22, 2025): 131–137. Accessed January 14, 2026. https://openjournal.unpam.ac.id/index.php/ESIT/article/view/56197.