“…On the other hand, TAM operates on individual performance. Davis (1989) asserted the extension and adding of external variables of original TAM of exploring the impacts of external factors on users' approach (competency) and actual use of technology such as IT Innovativeness, technology readiness, and computer anxiety (Abduljalil & Zainuddin, 2015;Fathema, Shannon, Ross, 2015, Fathema, Ross, Witte, 2014. Previous studies documents usage of some parts of TAM instead of the holistic that is appropriate to the respondent under research (Maldonado, Khan, Moon & Rho, 2011;Wang & Yang, 2005).…”