“…Less frequently ICTs utilized in available literature are cloud technologies (Ahmad et al, 2013), blockchain technology (Rukanova et al, 2023), semantic web services (Adadi et al, 2015;Alshehab et al, 2019;Sta, 2017;Alqahtani et al, 2014), Artificial Intelligence (AI) and data mining techniques (Sienkiewicz-Malyjurek, 2023; Mahmoud et al, 2019;Oumkaltoum et al, 2019;Adadi et al, 2015), ePayment (Yli-Huumo et al, 2018;Sedek et al, 2015), Big Data (Mahmoud et al, 2019;Patel et al, 2019), and BPM (Candiello et al, 2012).…”