“…This model is specifically indicated to study the intention to adopt specific technologies. Thus, the TAM applies models to study the acceptance and intention to use information system tools such as mobile commerce (e.g., Natarajan et al, 2018 ), m-banking (e.g., Mostafa, 2020 ; Shankar et al, 2020 ) and e-banking ( Yoon and Steege, 2013 ; Salimon et al, 2017 ; Yaseen and El Qirem, 2018 ; Ahmad et al, 2019 ), among others. The original TAM considers perceived usefulness and perceived ease of use has a significant role in the technology acceptance process ( Davis et al, 1989 ).…”