FAKTOR INFLUENCING CIMB NIAGA’S MOBILE PHONE ACCOUNT CONTINUATION USAGE: A STUDY OF TECHNOLOGY ACCEPTANCE MODEL (TAM). Efektif : Jurnal Bisnis dan Ekonomi, [S. l.], v. 14, n. 2 Desember, p. 142–154, 2023. DOI: 10.37159/Efektif2023.Vol14.No2.009. Disponível em: https://jurnalefektif.janabadra.ac.id/index.php/ojs/article/view/18.. Acesso em: 8 oct. 2025.