Angger Cakra Wibisono and Novi Susyani 2026. Applying the Unified Theory of Acceptance and Use of Technology (UTAUT) to Analyze Use Behavior of the Quick Response Code Indonesian Standard (QRIS) Among Generation Z in Bandung. Al-Kharaj: Journal of Islamic Economic and Business. 8, 1 (Mar. 2026). DOI:https://doi.org/10.24256/kharaj.v8i1.9570.