“…For example, individual characteristics are shown in Goodhue and Thompson's (1995) theoretical model, but were not in the model they tested. Finally, individual characteristics bring concerns of traditional HCI research into MIS research (Zhang et al, 2002), e.g., some interfaces provide better fit for experts than novices. Individual characteristics cover many possible constructs, e.g., computer literacy (Goodhue, 1995), experience with particular IT (Guinan et al, 1997;Thompson et al, 1994), experience with technology and with tasks (Dishaw & Strong, 1999;2003), personal innovativeness (Agarwal & Prasad, 1998) and computer playfulness (Agarwal & Prasad, 1998;Webster & Martochhio, 1992), among others.…”