THE EFFECT OF SECURITY, RISK PERCEPTION, AND CONSUMER PROTECTION ON QRIS USER LOYALTY WITH THE MEDIATING ROLE OF TRUST. The International Conference on Sustainable Economics Management and Accounting Proceeding, [S. l.], v. 2, n. 1, p. 2724–2739, 2026. DOI: 10.32424/icsema.v2i1.1007. Disponível em: https://proceeding.soedirmanunsoed.com/index.php/icsema/article/view/1007. Acesso em: 23 aug. 2026.