SOPIAN, Erik; NUGRAHA, Nugraha; WASPADA, Ika Putera; SARI, Maya. Digital Payment Adoption and Financial Management Efficiency of Culinary MSMES: A Study of QRIS Users in Bandung, Indonesia. Journal of Social Work and Science Education, [S. l.], v. 7, n. 3, p. 1974–1992, 2026. DOI: 10.52690/jswse.v7i3.1561. Disponível em: https://ejournal.sembilanpemuda.id/index.php/jswse/article/view/1561. Acesso em: 21 may. 2026.