Prisca SG Tumewu, Silvya L. Mandey and Joubert B. Maramis 2023. Exploration of Factors Affecting the Decision to Refuse to Use M-Smile (Case Study: Customers of Bank Mega KCP TOMOHON). American Journal of Science and Learning for Development. 2, 4 (Apr. 2023), 252–272. DOI:https://doi.org/10.51699/ajsld.v2i4.1596.