“…Individual constructs have been used to extend TAM in the twenty years since Davis (1986Davis ( , 1989 first proposed the model, including; user experience (Adams et al, 1992;Taylor & Todd, 1995;Gefen, 2003); subjective norm (Taylor & Todd, 1995); motivation Yi et al, 2006); self-efficacy (Chau, 2001;McFarland & Hamilton, 2006); perceived playfulness (Moon & Kim, 2001;; computer attitude (Chau, 2001); computer enjoyment Teo et al, 1999;Liaw & Huang, 2003;van der Heijden, 2004); computer efficacy (Chau, 2001;McFarland & Hamilton, 2006); computer anxiety (Hackbarth, Grover & Yi, 2003;Schottenbauer et al, 2004); system quality ; perceived performance (Shih 2004); system usage (McFarland & Hamilton, 2006); IT continuance usage (Bhattacherjee, 2001;Limayem et al, 2003); habitual behaviour (Gefen, Karahanna & Straub, 2003;Limayem et al, 2003) and trust . As well, individual differences, such as; age (Liu et al, 2000;Arning & Ziefle, 2007); gender (Gefen & Straub, 1997;Agarwal & Prasad, 1999;Venkatesh & Morris, 2000;Venkatesh et al, 2004); level of education (Chuang & Chuang, 2002;Burton-Jones & Hubona, 2005); cognitive style (Rapp, Taylor & Crane, 2003); and cognitive absorption (Agarwal & Karahanna 2000;Saadé & Bahli, 2005) have been used to look for variables in user results to PU &...…”