Bisri, Bisri, and Herlin Wida Siwi. “Digital Payments, QRIS Growth, and State-Owned Bank Portfolio Returns in Indonesia”. Indonesian Financial Review 5, no. 2 (April 30, 2026): 741–757. Accessed May 5, 2026. https://ypppal-amsi.or.id/penelitian/index.php/IFR/article/view/155.