“…The reason that led the authors to the combination is that TAM is system-specific whereas technology readiness is individual-specific, and therefore, they believed that they are interrelated. Extant research has incorporated technology readiness and technology adoption model to explain users’ readiness and perceptions toward financial technology ( Walczuch, Lemmink, & Streukens, 2007 ), electronic human resource management ( Erdoǧmu & Esen, 2011 ), electronic health record system ( Godoe & Johansen, 2012 ; Kuo, Liu, & Ma, 2013 ), web-based attendance management system ( Nugroho & Fajar, 2017 ) and mobile payment system ( Rahman, Taghizadeh, Ramayah, & Alam, 2017 ).…”