“…A research conducted by Muñoz-Leiva et al, [22] found that PEOU has a significant positive relationship with AT towards new mobile banking application system. Research by Yu, Yi, Liu, & Feng, [23] also found that AT toward use of Commercial Bike-sharing Systems was positively affected by PEOU. Additionally, a study by Sarika, Preeti, Shilpy, & Sukanya, [24] found that PEOU of the system has a positive relationship towards AT to shop online.…”