“The Influence of TAM Variables and Financial Literacy on QRIS Payment Decisions With Interest As an Intervening Variable (Study on Semarang State Polytechnic Students)”. International Journal of Scientific Research and Management (IJSRM), vol. 12, no. 04, Apr. 2024, pp. 6203-9, https://doi.org/10.18535/ijsrm/v12i04.em10.