“…For western countries and the USA, the major challenge of studies in adopting this system was concentrated on the factors of ease of use or learning technology, trust, privacy and security (Sathye. 1999, Moutinho andSmith (2000), Lymperopoulos and Chaniotakis (2004), Floh and Treiblmaier (2006), Poon (2007), Sanchez-Franco (2009), Aderonke andCharles K (2010), Faroughian, et al (2012), Ma and Zhao (2012), Capece and Campisi (2013), Johnson (2014), Rodrigues et al (2016), Hoehle et al (2017), etc.…”