“…Past research indicates that there are important differences between earlier and later adopters of innovations in socioeconomic status, personality variables and communication behaviour (Rogers, 2003 p.299). It is expected that if innovators and early adopters could be identified, they would be targets for companies' marketing campaigns for new products (Black et al, 2001).Besides considering customers' personal characteristics as significant predictors of customers' adoption of innovations, researchers studied the characteristics of the innovation itself as a stronger predictor of consumer adoption behaviour (Lockett and Littler, 1997;Black et al, 2001;Rugimbana and Iversen ,1994). In these studies, Roger's (1962) perceived attributes of an innovation being relative advantage, compatibility, complexity, trialability and observability as well as Bauer's (1960) concept of perceived risk have been used extensively and have been found as stronger predictors of consumer adoption behaviour.…”