“…New variables such as perceived enjoyment, perceived playfulness, perceived critical mass, perceived user resources and trust have been proposed for developing the TAMs (Galib et al , 2018). Innovativeness (Okumus et al , 2018; Hunafa et al , 2017), entrepreneurship (Pipitwanichakarn et al , 2018), culture (Alsaleh et al , 2019), knowledge (Singhal et al , 2019), marketing strategy (Singhal et al , 2019), social strategy (Hossain et al , 2019), technology readiness (Kim and Chiu, 2019), awareness (Degarege et al , 2019; Kowatsch and Maass, 2012), external pressure (Khan and Ali, 2018), trust (Kowatsch and Maass, 2012), security (Gao and Bai, 2014b), technical features (Bushra, 2014), budget limitations, cost, accessibility of other alternatives and time pressure (Mashal and Shuhaiber, 2019), promotion and brand loyalty (Shin et al , 2018) and perceived ubiquity and perceived reachability (Kim and Garrison, 2009) are other variables for TA.…”