BISRI, B.; SIWI, H. W. . Digital Payments, QRIS Growth, and State-Owned Bank Portfolio Returns in Indonesia. Indonesian Financial Review, [S. l.], v. 5, n. 2, p. 741–757, 2026. DOI: 10.55538/ifr.v5i2.155. Disponível em: https://ypppal-amsi.or.id/penelitian/index.php/IFR/article/view/155. Acesso em: 5 may. 2026.