Najwa Gethabally and Fadli Fadli (2026) “The Influence of Performance Expectations, Business Ex-pectations, Social Factors, and Facilitation Conditions on the Use of QRIS in MSMEs in Bengkulu City ”, International Journal of Economics and Management Research, 5(2), pp. 212–222. doi: 10.55606/ijemr.v5i2.755.