ANALISIS PERBANDINGAN EFISIENSI BIAYA TRANSAKSI: QRIS CROSS-BORDER VS PENUKARAN VALUTA ASING KONVENSIONAL. KAMIS [Internet]. 2026 Sep. 13 [cited 2026 Oct. 6];1(02):61-8. Available from: https://vj.vmpofficial.com/index.php/KAMIS/article/view/9