“…Barriers to adoption can take various forms. Examples include a lack of organizational readiness (Grandon & Pearson, 2004;Lacovou et al, 1995), incompatibility (Azad & Hasan, 2011;Beatty et al, 2001;Rogers, 1995), complexity (Thomas et al, 2011;Thong, 1999), lack of visibility (Moore & Benbasat, 2001), high costs (Alam et al, 2011), security concerns (Voges & Pulakanam, 2011;Zaied, 2012), lack of customer readiness (Scupola, 2009), lack of skilled labour (Lawrence & Tar, 2010;Samoilenko & Osei-Bryson, 2008), and lack of infrastructure readiness (Apulu & Ige, 2011). Furthermore, TAM shows that perceiving a system as easy to use leads to the perception that it is useful to the business, which suggests that ease of use is a determinant of perceived usefulness (Davis et al, 1989;Riemenschneider et al, 2003).…”