IQNATIA; SANDHIKA CIPTA BIDHARI. QRIS in the Hands of Gen Z: Balancing Lifestyle, Literacy, and Locus of Control. JAF (Journal of Accounting and Finance), [S. l.], v. 10, n. 1, 2026. DOI: 10.25124/jaf.v10i1.10080. Disponível em: https://journals.telkomuniversity.ac.id/jaf/article/view/10080. Acesso em: 21 apr. 2026.