A. Y. Naurah, Jamaluddin Majid, and Sudirman, “ An Islamic Economic Perspective on the Influence of Perceived Ease of Use and Perceived Usefulness on QRIS Usage Decisions Through Attitude Toward Using as an Intervening Variable: Evidence from MSMEs in Gowa Regency”, al. kharaj. j. islam. econ. bus., vol. 8, no. 3, Aug. 2026.