Al Ansori, Much Musyarief, and Endah Prapti Lestari. “The Effect of Ease of Use, Benefits, and Risks on QRIS Usage Intention With Trust As Moderator”. Research Horizon 5, no. 4 (August 30, 2025): 1049–1062. Accessed June 17, 2026. https://journal.lifescifi.com/index.php/RH/article/view/715.