Septia S. Dioh; Taqwa Sultan; Manongga, I. R. A.; Maria S. Lou Kelen; Wihelmina Muni; Anabuni, A. U. T. Determinants of QRIS User Information: The Role of Usage Barriers, Value Barriers, Risk Barriers, Initial Trust, and Perceived Usefulness. JPMS 2026, 1, 39-48.