?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adissertation&rft.au=Muhammad+Rohmat+Hidayat%2C+NIM.%3A+24203011011&rft.aulast=Muhammad+Rohmat+Hidayat&rft.aufirst=NIM.%3A+24203011011&rft.degree=Masters&rft.date=6+May+2026&rft.title=INTEGRASI+LAYANAN+DIGITAL+FITUR+QRIS+CROSS+BORDER+DALAM+PERSPEKTIF+SYARI%E2%80%99AH&rft.inst=UIN+SUNAN+KALIJAGA+YOGYAKARTA&rft.tpages=157