“…Furthermore, further research is needed to extend established models with new variables. Future investigations may add variables to social theories [16,22,23,28], personal traits models [20,21], and capital theory [23]. Future research should consider testing other psychological variables [13] and socio-economical aspects [18,23] to develop a more fine-grained understanding of the association between digital divide variables and ICT acceptance [15,16,20,23].…”