“…Therefore, there has been a large number of studies that explore e-commerce, e-banking, e-health, e-government, and e-learning (Chmielarz & Zborowski, 2013;Gil-Garcia, 2012;Hamid, Waycott, Kurnia, & Chang, 2015;Huang & Benyoucef, 2013;Koohang, Kohun, & DeLorenzo, 2013;Tarhini, Hone, & Liu, 2016;Ziemba & Papaj, 2013). However, the largest number of these studies is focused on examining ICTs from the point of view of enterprise and public administration, e.g., the usage of ICTs for improving relationships with customers.…”