Pricillia, Virjean, and Dodie Tricahyono. 2025. “Analysis of the Acceptance of Quick Response Indonesian Standard (QRIS) As a Payment Method in South Kalimantan Using the Technology Readiness Acceptance Model (TRAM) and Perceived Risk ”. Journal of Advances in Accounting, Economics, and Management 2 (4):12. https://doi.org/10.47134/aaem.v2i4.703.