“Constructing a Cashless Lifestyle through Word-of-Mouth-Mediated Social Normalization: A Phenomenological Study of QRIS Users at Universitas Negeri Jakarta”. Mimbar : Jurnal Penelitian Sosial Dan Politik, vol. 15, no. 2, July 2026, pp. 488-03, https://doi.org/10.32663/fnctw154.