“…In accordance with the above, it is evident that there are more researchers who have used Subjective Norm, for example [59], [78], [82], [83], [1], [26], [85], [86], [87], [88], [89], [90], [91], [92], Experience in the internet & computer [59], [77], [81], [82], [84], [85], [93], [94], [95], [96], [97] Self-Efficacy [59], [83], [84], [85], [1], [71], [72], [73], [86], [95], [98], [99], [74], [97], Technical Support [59], [42], [73], [74], [83], [100], [101], [102] and Anxiety [72], [73],…”