“…Sector and gender were not entered into the regression model [sector ( t = 0.41, p > 0.05); gender ( t = 1.22, p > 0.05] as they are non-significant in trust prediction ( Fritz and Berger, 2015 ). The best regression model for predicting trust is model 3, with the highest education level, age, and internet use frequency as predictors; it is the most significant and has the highest R2 value ( Li and Pham, 2019 ). Similarly, integrating five theories being; the digital divide theory, TAM, diffusion of innovation theory, and expectancy disconfirmation theory, Pontones-Rosa et al (2021) conducted a factor analysis using the principal components method with Varimax rotation and bivariate analysis with contingency tables between the satisfaction variables and the municipal, demographic, socio-economic, and technological variables the ICT access, quality, and use.…”