PRISCA SG TUMEWU; SILVYA L. MANDEY; JOUBERT B. MARAMIS. 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, [S. l.], v. 2, n. 4, p. 252–272, 2023. DOI: 10.51699/ajsld.v2i4.1596. Disponível em: https://inter-publishing.com/index.php/AJSLD/article/view/1596. Acesso em: 22 dec. 2024.