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. MORFAI [Internet]. 2025 Dec. 28 [cited 2026 Jul. 4];6(2):1518-23. Available from: https://radjapublika.com/index.php/MORFAI/article/view/4851