ESTININGRUM, S. D. The Paradox of Digital Payment Transformation: A Critical Synthesis of QRIS Adoption and Structural Barriers among Indonesian MSMEs. Smart International Management Journal, [S. l.], v. 3, n. 2, p. 64–75, 2026. DOI: 10.70076/simj.v3i2.193. Disponível em: https://heijournal.id/index.php/simj/article/view/193. Acesso em: 31 jul. 2026.