“…Since the development of the UTAUT, it has been applied in various studies and across different fields that utilize or integrate IT. This extensive application, test ing, and validating are vividly visible in areas, such as egov ernment (AlSwidi & Faaeq, 2019;NaranjoZolotov et al, 2018;Sawalha et al, 2019), ecommerce (Li et al, 2018;Pobee & Opoku, 2018;Shaw & Sergueeva, 2019;Soomro, 2019), ehealth/mobile health (Alam et al, 2018;Bawack & Kamdjoug, 2018;Quaosar et al, 2018), etourism (Gupta et al, 2018;Lama et al, 2019), and mobile banking (Rahi et al, 2018;Raza et al, 2019).…”