“…For example, mobile apps allow customers to access services from their homes. This finding confirms the current body of knowledge (Kim & Kim, 2004;Lai, 2014;Hew et al, 2015;Kim et al, 2006;Bi & Kim, 2020;Lu et al, 2011;Raman, 2019;Khadir, Ravindranath, & Sen, 2021;Ozturk et al, 2021;Hatamifar, Ghaderi, & Nikjoo, 2021;Tak & Gupta, 2021;Medeiros et al, 2022). In terms of technological self-efficacy, the finding of this paper also supported previous research (Hasan, 2006;Rahman, Ko, Warren, & Carpenter, 2016;Latikka, Turja, & Oksanen, 2019;Wilkowska, Heek, & Ziefle, 2021;and Jokisch et al, 2021).…”