“…Unfortunately, there is no sufficient quantitative data to model these four factors. Therefore, this study adopted the standard logistic growth curve (S-curve) approach that has been used for centuries to project future scenarios for many application domains, including ecology, medicine, chemistry, physics, linguistics, agriculture, economics, and sociology [45], [46], [47], [48], [49], [50], [51], [52] to project the growth curves for digital adoption. Equation ( 3), gives the standers logistic growth curve, where f (t) represents the parameter of interest at time t, t • represents t values of the sigmoid's midpoint, L represents the supremum of f (t), and k represents the steepness of the curve.…”