“…In all countries where research about intentions have been conducted, these factors are always present (Fu et al, 2006;Hung et al, 2006;Ojha et al, 2007;Warkentin et al, 2010;Carter et al, 2011aCarter et al, , 2011bCarter et al, , 2012Hussein et al, 2011;Lim et al, 2011;Stafford and Turan, 2011;Chapuis, 2012;Tan and Foo, 2012;Hastuti et al, 2014;Chen et al, 2015;Chaouli et al, 2016;Hammouri and Abu-Shanab, 2017;Zaidi et al, 2017). Certain antecedents were found to have an effect on usage behaviour (initial as well as continuation).…”