WIDYANINGSIH, B. .; RAHMATIKA, A. N. .; PRANATA, H. Y. . Effectiveness of Digital Payments to Maintain Financial Portfolio Case Study of QRIS Bank Syariah Indonesia and Bank Muamalat. Formosa Journal of Sustainable Research, [S. l.], v. 3, n. 12, p. 2835–2848, 2024. DOI: 10.55927/fjsr.v3i12.12985. Disponível em: https://journal.formosapublisher.org/index.php/fjsr/article/view/12985. Acesso em: 19 apr. 2026.