“…Stansfield and Grant, 2003b;Warden and Tunzelana, 2004 Ayeh, 2006;Chen and McQueen, 2008;Heung, 2003;Kula and Tatoglu, 2003;Simmons et al, 2008;Grant, 2003a, 2003b;Stockdale and Standing, 2006;Zheng et al, 2004. Lack of technical knowledge of what and how to adopt a certain technology Kartiwi and MacGregor, 2007;Migiro and Ocholla, 2005;Mirchandani and Motwani, 2001;Scarborough and Zimmerer, 2003;Warden and Tunzelana, 2004;Webster et al, 2006 Available resources Inadequate financial resources Ayeh, 2006;Grandon and Pearson, 2004;Jin, 2007;Migiro and Ocholla, 2005;Skoko et al, 2008;Stansfield and Grant, 2003b;Stockdale and Standing, 2006;Zheng et al, 2004 High costs of technology adoption: technologies and equipment Ayeh, 2006;Beck et al, 2005;Chen and McQueen, 2008;Ghamatrasa, 2006;Migiro and Ocholla, 2005;Mirchandani and Motwani, 2001;Pilat, 2003;Rao et al, 2003;Wahid, 2007;Webster et al, 2006 High cost of developing and managing websites Anckar, 2003;Kula and Tatoglu, 2003;MacGreogor and Vrazalic, 2005;Nour, Dyerson and Harindranath, 2007;Ghamatrasa, 2006;Kamel and Hussei...…”