“…However, evidence suggests that the IT adoption process is affected by contextual factors that shape a firm's technology adoption decision-making, grouped into technological, organizational, and environmental contexts. Technical context considers the technology in the firms and those outside the firm; organizational context examines factors associated with the size of the firm, managers' support, and financial readiness; and environmental context considers how environmental variables like competition pressures, business practice, and government interventions shape the firms (Maroufkhani et al 2020, Chen,2019Eze et al, 2019;Grant & Yeo, 2018). Thus, Technology-organization-environment (TOE) framework (Okumus et al, 2017) is the most employed theory in technology adoption studies at the organizational level, and this is because these three contexts represent "both constraints and opportunities for technological innovation" (Kulkarni & Patil, 2020).…”