“…Several studies have found SE to be an important determinant that directly influences the user's behavioural intention and actual usage of IT (Downey, 2006;Shih & Fang, 2004;Guo & Barnes, 2007;Yi & Hwang, 2003;Hernandez, Jimenez, & Jose Martin, 2009) and e-learning acceptance (Chang & Tung, 2008;Yuen & Ma, 2008;Park, 2009;Vijayasarathy, 2004;Chatzoglou et al, 2009;Roca, Chiu, & Martínez, 2006;Darawsheh et al, 2016). On the contrary, Venkatesh et al (2003) did not find a casual direct relationship between SE and BI.…”