Analysis of National QR Code Payment Systems: Practices in 3 Developing Countries (Indonesia, Nigeria, and India). AKUMULASI: Indonesian Journal of Applied Accounting and Finance, [S. l.], v. 4, n. 1, p. 76–95, 2025. DOI: 10.20961/akumulasi.v4i1.2539. Disponível em: https://journal.uns.ac.id/index.php/akumulasi/article/view/2539. Acesso em: 6 apr. 2026.