Sugiharto B, Umiyati I, Sholihah NN. APPLICATION OF UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY (UTAUT) MODEL TO THE INTENTION TO USING MOBILE BANKING SERVICE. ac [Internet]. 2021 Nov. 22 [cited 2026 Aug. 17];5(02). Available from: https://ojs.stiesa.ac.id/index.php/accruals/article/view/885