“EFFECT PERCEIVED BENEFITS, PERCEIVED EASE OF USE AND PERCEIVED RISK ON NAGARI QR MERCHANT APPLICATION ”. Lex localis - Journal of Local Self-Government 23, no. 11 (October 3, 2025): 1195–1210. Accessed October 23, 2025. https://lex-localis.org/index.php/LexLocalis/article/view/802147.