MUHAMMAD IKHLAS BIN ROSELE LUBIS; YARA SHITA. Transforming Payment Systems through QRIS in Indonesia: Regulatory Challenges in Advancing an Inclusive Digital Financial System. Jurnal Cendikia ISNU SU , [S. l.], v. 3, n. 2, p. 453–469, 2026. DOI: 10.70826/jcisnu.v3i2.1962. Disponível em: https://journal.isnu-sumut.org/index.php/jcisnu/article/view/1962. Acesso em: 1 oct. 2026.