“…That is because UTAUT shows differences in individual willingness to adopt a technology based on problem analysis (Gupta & Arora, 2020;Tarhini et al, 2019). Among them are the adoption of mobile payments (Alkhowaiter, 2022;Gupta & Arora, 2020), mobile banking (Kholid, 2019;Mansour, 2020;Samsudeen et al, 2022), internet banking (Mohd Thas Thaker et al, 2022), online shopping applications (Tarhini et al, 2019), food delivery applications (Zhao & Bacao, 2020), and e-learning (Alghazi et al, 2021;Almaiah et al, 2019).…”