Dwiyanisa, Ashila, et al. “Factors Forming E-Service Satisfaction of PJP QRIS on Micro Business Merchants in Bandung City With E-Servqual Approach and E-Service Satisfaction Model”. JURNAL COMPUTECH & BISNIS, vol. 18, no. 2, Oct. 2025, pp. 227-52, https://doi.org/10.56447/jcb.v18i2.8.