Kencanawati, Anak Agung Ayu Mirah, et al. “The Impact of QRIS Implementation on the Growth and Competitiveness of Small Tourism Businesses in Bali”. Journal of Commerce, Management, and Tourism Studies, vol. 4, no. 3, Dec. 2025, pp. 406-17, doi:10.58881/jcmts.v4i3.390.