T. Y. Sari, Baihaqi, and Irwansyah, “The UTAUT Model in the Continuance Intention of E-Wallets (QRIS) by MSMEs: With the Moderating Effect of Security Risk”, IJER, vol. 6, no. 3, pp. 1184–1197, Sep. 2026, doi: 10.59431/ijer.v6i3.913.