“…Individual factors comprise usefulness of an innovation, personal initiative, prior experience, unique individual ability 12 and enjoyment issues. Literature provides strong support in favour of the argument that individual factors drive innovation in a significant way (Al-Gahtani & King, 1999;Davis, 1989;Igbaria, Parasuraman, & Baroudi, 1996;Lewis, Agarwal, & Sambamurthy, 2003;Venkatesh & Davis, 2000;Lee, Kim, Rhee, & Trimi, 2006). The specific results are presented under the following specific issues:…”