Muhammad Nur Tanjung, Abdul Nasser Hasibuan, Utari Evy Cahyani. FACTORS INFLUENCING THE ATTITUDES AND DECISIONS OF LOWER CLASS COMMUNITIES IN USING ISLAMIC BANK MOBILE BANKING. MICJO [Internet]. 2025 Nov. 10 [cited 2026 Apr. 11];2(4):5244-50. Available from: https://e-jurnal.jurnalcenter.com/index.php/micjo/article/view/1488