“…Since the UTAUT model was development in 2003 researchers have applied this model in: new contexts such as community health center, managers, mobile owners, and merchants (Hanson et al, 2011;Shu and Chuang, 2011;; new user populations such as university students, university faculty members, doctors, educators, lawyers, college teachers, investors, small and medium enterprises, bank customers, internet banking service users Loebbecke et al, 2010;Heerink et al, 2010); new cultural settings such as India, China, Taiwan, Malaysia, Australia, Jordan, Saudi Arabia, Kuwait, the Netherlands (Moghavvemi et al, 2012;Wang and Shih, 2009); and finally inclusion of exogenous predictors (Cody-Allen and Kishore, 2006) in the UTAUT model (Venkatesh et al, 2012).…”