Fatmawati, F.; Gunawan, A. N. B. .; Mustamin, A. .; Arifai, S. .; Fatimah, S. .; Taufiq, M. . The Effect Of Knowledge, Security, And Convenience On The Frequency Of Digital Payment Use From Physical Cards To Bsi Qris Mobile Banking In Generation Z (A Study on Students of the Faculty of Islamic Economics and Business, UIN Alauddin Makassar). P PROCEEDING 2026, 4, 21-25.