ANALISIS PERBANDINGAN EFISIENSI BIAYA TRANSAKSI: QRIS CROSS-BORDER VS PENUKARAN VALUTA ASING KONVENSIONAL. KAJIAN MANAJEMEN DAN BISNIS (KAMIS), [S. l.], v. 1, n. 02, p. 61–68, 2026. DOI: 10.67429/gpdpn352. Disponível em: https://vj.vmpofficial.com/index.php/KAMIS/article/view/9. Acesso em: 6 oct. 2026.