HAPSA USMAN; NONCE F. TUATI; DEETJE W. MANUAIN. IMPLEMENTATION OF QRIS-BASED PAYMENT GATEWAY IN MOBILE BANKING AND ITS IMPACT ON TRANSACTION SMOOTHNESS OF MSMES IN COASTAL TOURISM AREAS OF KUPANG CITY. Multidiciplinary Output Research For Actual and International Issue (MORFAI), [S. l.], v. 6, n. 2, p. 1518–1523, 2025. DOI: 10.5281/zenodo.20304492. Disponível em: https://radjapublika.com/index.php/MORFAI/article/view/4851. Acesso em: 4 jul. 2026.