L. N. . Oktarini, P. Y. . Wijaya, N. W. W. . Premayani, G. A. D. M. . Yoga, and G. A. . Suputra, “Digital Payment Efficiency through QRIS Convenience and Security: The Mediating Role of Trust”, JR, vol. 10, no. 3, pp. 171–182, Jun. 2026.