“…Empirical studies using the TOE and/or its extended TOE framework have different findings despite using a common framework (Abed, 2020;Ahmad et al, 2015;Awa et al, 2016;Chaua & Denga, 2018;Dahbi & Benmoussa, 2019;Hameed & Counsell, 2012;Lawrence & Tar, 2010;Saif-Ur-Rehman & Alam, 2016;Scupola & Dwivedi, 2009;Thong, 1999;Thong & Yap, 1995;Ueasangkomsate, 2015;Yoon et al, 2020). This framework has also been used in empirical studies, focusing on the demand side of e-businesses, like customers' barriers in adopting Internet banking (Rotchanakitumnuai & Speece, 2003, 2004.…”