The Role of QRIS Merchants and Online Shopping in Accelerating Digital Financial Transformation in Indonesia (2020-2024). JIMU (JURNAL ILMIAH MANAJEMEN UBHARA), [S. l.], v. 7, n. 2, p. 137–146, 2025. DOI: 10.31599/frs5tq59. Disponível em: https://ejurnal.ubharajaya.ac.id/index.php/JIMU/article/view/4525.. Acesso em: 14 nov. 2025.