“…These were modelled in addition to the TAM variables Behavioural Intention to Use (BIU), Perceived Usefulness (PU), and Perceived Ease of Use (PEOU). The survey questions were structured to include the following broad constructs: environmental characteristics (Meso, Musa, & Mbarika, 2005;Musa, 2006;Mathieson, Peacock, & Chin, 2001), Technology characteristics (Davis F. D., 1989;Davis, Bagozzi, & Warshaw, 1989;Venkatesh & Bala, 2008), individual characteristics (Crump, Logan, & McIlroy, 2007;Hashim, 2008;Ndubisi N. O., 2007;Ndubisi N. O., 2005;Lynn & Halstead, 2003;Ankem, 2004;Roy & Ghose, 2006) and organizational characteristics (Venkatesh & Bala, 2008). Most items or variables in the survey were mapped to a seven point Likert scale.…”