The Influence of Financial Literacy and Security Perceptions on the Use of QRIS as a Payment Tool by Students. Civitas Proceedings - Conference On International Visions And Transformative Actions For Society, [S. l.], v. 1, n. 1, p. 11–20, 2026. Disponível em: https://proceeding.unpkediri.ac.id/index.php/civitas/article/view/11098. Acesso em: 27 aug. 2026.