“…This research drew mainly from the Technology-Organization-Environment (TOE) framework (Tornatzky & Fleischer, 1990) and a few are adapted from the literature (Chong & Pervan, 2007;Grandon & Pearson, 2004;Iacovou, Benbasat, & Dexter, 1995;Igbaria, Zinatelli, & Cavaye, 1998;Premkumar & Roberts, 1999), which other e-commerce and information systems researchers (Al-Qirim, 2007;Chong, Ooi, Lin, & Tang, 2009;Chwelos, Benbasat, & Dexter, 2001;Gibbs & Kraemer, 2004;Iacovou et al, 1995;Kuan & Chau, 2001;Li et al, 2010;Raymond, 2001;Scupola, 2003) have used in comparable studies and is widely accepted among researchers in the social science. TOE framework is consistent with Rogers' (2003) diffusion of innovation theory as it focuses on both internal and external characteristics of the organization, as well as technological characteristics in the study of drivers for new technology diffusion.…”