“…This review produced a number of SST adoption factors that were researched in various contexts for different SST types. These factors range from user characteristics and attitudes (Dabholkar and Bagozzi, 2002;Gelderman et al, 2011;Lin and Chang, 2011;Meuter et al, 2005;Walker and Johnson, 2006), consumer demographics (Dean, 2008;Lee et al, 2010;Nilsson, 2007), technology attributes to situational factors (Dabholkar and Bagozzi, 2002;Gelderman et al, 2011;Simon and Usunier, 2007;Wang et al, 2012). Seven of the most often researched SST adoption factors in the literature include demographic variables (e.g., age, gender, income and education), trust, perceived risk, perceived ease of use, perceived usefulness, technology readiness and preference for personal contact (Kelly et al, 2011).…”