“…Much research has focused on specific sectors of the economy, such as commercial distribution (Doherty, Ellis-Chadwick, & Hart, 1999;O'Keefe, O'Connor, & Hsiang-Jui, 1998), industry (Chan & Swatman, 2000;Chaston & Mangles, 2002;Kula & Tatoglu, 2003), the communications sector (Vadapalli & Ramamurthy, 1997), the banking and finance sector (Corbitt, 2000), or tourism (Raymond, 2001;Wang & Cheung, 2004). Researchers have often examined the specific problems faced by SMEs when they adopt and use e-commerce on the Internet (Auger & Gallaugher, 1997;Chappell & Feindt, 2000;Chaston & Mangles, 2002;Daniel, Wilson, & Myers, 2002;Fillis, Johannson, & Wagner, 2004;Kula & Tatoglu, 2003;Matlay & Addis, 2003;McGowan & Durkin, 2002;O'Keefe et al, 1998;Poon & Swatman, 1997Sadowski, Maitland, & Dongen, 2002;Walczuch, Braven, & Lundgren, 2000). And while some studies analyze the determinants of B2B e-commerce operations (Bertschek & Fryges, 2002;Chan & Swatman, 2000;Eid & Trueman, 2004;Eid, Trueman, & Ahmed, 2002), others have preferred to focus on B2C e-commerce (Corbitt, 2000;Doherty et al, 1999;O'Keefe et al, 1998;Raymond, 2001).…”