Sugiharto, Bambang, Indah Umiyati, and Noni Nissa Sholihah. “APPLICATION OF UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY (UTAUT) MODEL TO THE INTENTION TO USING MOBILE BANKING SERVICE”. ACCRUALS (Accounting Research Journal of Sutaatmadja) 5, no. 02 (November 22, 2021). Accessed August 17, 2026. https://ojs.stiesa.ac.id/index.php/accruals/article/view/885.