Wijayanto, E., Widiyati, S., Rois, M., Listyani, T. and Fatati, M. (2024) “APPLICATION OF THE TAM MODEL AND FINANCIAL LITERACY IN QRIS DIGITAL PAYMENT DECISIONS (STUDY ON SEMARANG STATE POLYTECHNIC STUDENTS)”, International Journal of Research -GRANTHAALAYAH, 11(12), pp. 149–156. doi: 10.29121/granthaalayah.v11.i12.2023.5436.