“…This model consists of seven variables. These are employee's individual attribute (Delorme & Arcand, 2010;Troshani et al, 2011;Richter et al, 2013), IT infrastructure (Kwon & Zmud, 1987;Hoon Yang et al, 2007;Oliveira & Martins, 2010;Masum, 2015), complexity (Thong, 1999;Rogers, 2003), compatibility (Rogers, 2003;Teo et al, 2007), top level management support (Teo et al, 2007;Altarawneh & Al-Shqairat, 2010;Troshani et al, 2011;Masum, 2015); Industry pressure (Thong, 1999;Teo et al, 2007;Kittipong, 2009;Masum, 2015), and IT expertise (van Veldhoven & Ruël et al, 2004;Voermans, 2007;Masum, 2015).…”