SANTOSO, Vebrillia; NAINGGOLAN, Romauli. TECHNOLOGY ACCEPTANCE MODEL (TAM): THE EFFECT OF FINANCIAL LITERACY ON EFFECTIVENESS OF USING QRIS ON MSME OWNERS IN INDONESIA. International Journal of Economics, Business and Accounting Research (IJEBAR), [S. l.], v. 7, n. 4, 2024. DOI: 10.29040/ijebar.v7i4.11550. Disponível em: https://jurnal.stie-aas.ac.id/index.php/IJEBAR/article/view/11550. Acesso em: 11 jul. 2025.