“…Other studies have shifted the focus of their service delivery strategies from the organizational supply-side point of view to user-centric service provision, which scholars consider an important shift (Botterman et al, 2003, Lassnig and Markus, 2003, Christopher G, 2004, Seifert and Petersen, 2002, Christopher G, 2005. Yet other studies go even further in considering the user demand perspective and consider it as a critical determinant for the success of the online service delivery approach, deeming it useful for the sake of promoting user technology acceptance and innovation adoption (Christopher G, 2004, GraaflandEssers, 2003, Hinnant and O'Looney, 2003, Wendy, 2003.…”