“…The UTAUT was tested in more than one area and yielded robust results. It simplicity and comprehensive integration process encouraged researchers to explore the model within diverse areas like: the adoption of web based knowledge systems (Almujally & Joy, 2018), big data modeling (Queiroz & Pereira, 2019), hospital electronic systems (Zhou et al, 2019), mobile banking (Savic & Pesterac, 2019), e-learning systems (Mahande & Malago, 2019;Liebenberg, Benadé & Ellis, 2018;Persada, Miraja & Nadlifatin, 2019), moblie payment (Lee, Lee & Rha, 2019).…”