“…Drawing from this literature analysis, the study primarily adopts the Technology Acceptance Model (TAM) as the foundational theory, focusing on variables like PEOU and Attitude (ATT) as mediators. Additionally, other independent variables drawn from prior research include Security (AlKubaisi and Naser, 2020;Al-Dmour et al, 2021;Wamba et al, 2021;Kamis et al, 2022), Government Intervention (Aji et al, 2020;Kennedyd et al, 2020;Liébana-Cabanillas et al, 2020;Shen et al, 2020), Social Influence (Abdullah et al, 2020;Al-Saedi et al, 2020;Kamis et al, 2023;Odoom & Kosiba, 2020;Soodan & Rana, 2020;Yang et al, 2021), and Trust (Hossain et al, 2019;Hariguna et al 2020;Singh and Srivastava, 2020;Lisana, 2021;Yang et al, 2021).…”