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Penerapan Metode Utaut (Unified Theory Of Acceptance And Use Of . . . Abstract This study analyzes the acceptance and use of e-banking among SMEs in Kebumen Regency using the UTAUT model approach The UTAUT model suggests that the factors that play an important role in user acceptance include job expectations, business expectations, social influences, and facility conditions This type of research is quantitative research and the data source used is primary data