REVOLUSI DIGITAL PAYMENT: ANALISIS FAKTOR PERSEPSI KEMUDAHAN, MANFAAT, DAN RISIKO TERHADAP MINAT GENERASI Z DALAM ADOPSI QUICK RESPONSE CODE INDONESIAN STANDARD (QRIS). KarismaPro, [S. l.], v. 16, n. 01, p. 1–8, 2025. DOI: 10.53675/karismapro.v16i01.1653. Disponível em: https://journal2.unfari.ac.id/index.php/karismapro/article/view/1653. Acesso em: 13 mar. 2026.