“…IT related infrastructure Anckar, 2003;Chen and McQueen, 2008;Nour, 2002;Rao et al, 2003;Samoilenko and Osei-Bryson, 2008;Stockdale and Standing, 2006;Wahid, 2007 Availability and quality of networks inter-institutions Ayeh, 2006;Azam, 2007;Bourgouin, 2002;Dutta and Coury, 2003;Ghamatrasa, 2006;Nour, 2002 Skilled labour: Lack of IT/travel-skilful labour Heung, 2003;Samoilenko and Osei-Bryson, 2008;Skoko et al, 2008;Warden and Tunzelana, 2004 Staff lacking proficient English in time of neglecting the local language in technology implementation policies Azam, 2007;Beatty et al, 2001;Dutta and Coury, 2003;Grandon and Pearson, 2004;Moore and Benbasat, 2001;Rao et al, 2003;Wahid, 2007;Zheng et The required time to diffuse or replace technologies in SMEs Heung, 2003;Kartiwi and MacGregor, 2007;MacGreogor, 2004;Stockdale and Standing, 2006;Wahid, 2007. Service/product suitability to the adopted technology Types of services valid to be digitalised Ayeh, 2006 Legal concerns Regulations and rules of the legal system Azam, 2007;Ghamatrasa, 2006;Heung, 2003;Warden and Tunzelana, 2004 Security issues Insecurity and lack of confidentiality in online transactions Azam, 2007;Chen and McQueen, 2008;Ghamatrasa, 2006;Kula and Tat...…”