“…MSAM model is composed of trust, context, personal initiatives, and characteristics factors in addition to perceived usefulness (PU) and perceived ease of use (PEOU) as depicted in Figure 3. -Samaha & Samad, 2008;Al-Khamayseh et al, 2007;Al-Hadidi & Rezgui, 2010;Al-Thunibat et al, 2011;El-Kiki & Lawrence, 2006;Ghyasi & Kushchu, 2004;Kumar & Sinha, 2007;Sandy & McMillan, 2005;Sheng & Trimi, 2008;Salkute et al, 2011;Shareef et al, 2016. 2 Usability Abu-Samaha & Samad, 2008;Al-Thunibat et al, 2011;Al-khamayseh et al, 2006;Ghyasi & Kushchu, 2004;El-Kiki & Lawrence, 2006;Sheng & Trimi, 2008;Salkute et al, 2011;Shareef et al, 2016. 3 Infrastructure Abu-Samaha & Samad, 2008;Al-Hadidi & Rezgui, 2010;Ghyasi & Kushchu, 2004;Sheng & Trimi, 2008;Karan & Khoo, 2008;Salkute et al, 2011;Sareen, Kumar, & Chanana, 2013. 4 Accessibility Al-Hadidi & Rezgui, 2010;Sandy & McMillan, 2005;El-Kiki & Lawrence, 2006;Kumar & Sinha, 2007;Sheng & Trimi, 2008;Karan & Khoo, 2008;Salkute et al, 2011;Sareen et al, 2013.…”