Pradesyah, Riyan, and Khairunnisa. “Islamic Socio-Economic Model in Medan’s QRIS Payment System: The Roles of Ease of Use, Digital Divide, and Financial Inclusion”. IQTISHODUNA: Jurnal Ekonomi Islam, vol. 15, no. 2, Oct. 2026, pp. 791-04, doi:10.54471/iqtishoduna.v15i2.3599.