“…The TOE framework was used to investigate 13 determinants that affect ICT adoption and growth. The papers are filtered and searched as part of the review process, which is tracked using the SIFRIA (Abdullahi et al, 2021;Ahmadi et al, 2016;Chiu et al, 2017;Ilin et al, 2017;Kulkarni & Patil, 2020;Mohamed & Anter, 2018;Pateli & Mylonas, 2020;Religia et al, 2021;Senarathna et al, 2018;Seong-yuen, 2017;Jere & Ngidi, 2016;Senyo et al, 2016(Tyasari et al, 2021 14 Ngongo et al, 2019;Wang et al, 2016) 2 Security and privacy (Ahmadi et al, 2016;Ali, 2020;Asiaei et al, 2019;Jianwen, 2019;Kulkarni & Patil, 2020;Mohamed & Anter, 2018;Njenga et al, 2018;Pateli & Mylonas, 2020;Priyadarshinee et al, 2017;Senarathna et al, 2018;Sharma et al, 2017;Skafi et al, 2020); (Chiju et al, 2017;Senyo et al, 2016) 15 (Abed, 2020;Joubert & Jokonya, 2021) 3 Compatibility (Ahmadi et al, 2016;Ali, 2020;Chiu et al, 2017;Eze & Chinedu-eze, 2020;Jianwen, 2019;Kulkarni & Patil, 2020;Mohamed & Anter, 2018;Religia et al, 2021;…”