“…Trust, security and privacy concerns USA, China, Taiwan, Sweden, [32], [33] Openness to change Saudi Arabia, Brazil [34], [35] Individual's willingness USA, Dutch, Europe, Asia, Australia [32], [36], [37] Information Technology & social media China, Canada & Australia, Iran, Taiwan, Hong Kong [38]- [43] Resource constraints Australia, Sub-Saharan Africa [44]- [46] cultural norms, Organisational culture Finland, Saudi Arabia [34], [47] Top management Italy [25], [48] organizational commitment…”