S. Feogeok, B. A. . Pramuka, N. K. . Putri, and L. . Budiarti, “The Influence Of Perceptions Of Benefits, Trust, And Risks On The Use Of Qris By Msmes In Purwokerto”, Jurnal Sosains, vol. 5, no. 10, pp. 7351–7358., Oct. 2025.