___

• Alawadhi, S. & Morris, A. (2009), “Factors influencing the adoption of E- government services”, Journal of Software, Vol. 4, No. 6, pp.584-590.
• Ali, M. & Miraz, M.H. (2015), “The culture impact of diffusion of IT innovation in world society”, Proceeding of the International Conference on Recent
• Advances in Computer Systems (RACS 2015).
• Al-Jabri, I.M. & Al-Khaldi, M.A. (1997), “Effects of user characteristics on computer attitudes among undergraduate business students”, Journal of End User Computing, Vol. 9, No. 2, pp.16-23.
• Ardjouman, D. (2014), “Factors influencing small and medium enterprises
• (SMEs) in adoption and use of technology in Cote d’Ivoire”, International Journal of Business and Management, Vol. 9, No. 8, pp.179-190. Arpaci, I., Yardimci, Y.C., Ozkan, S. & Turetken, O. (2012), “Organizational adoption of information technologies: A literature review”, International Journal of eBusiness and eGovernment Studies, Vol. 4, No. 2, pp.37-50.
• Ashtiani, P.G. & Asadi, F. (2012), “Investigation of information impact on overcoming consumer resistance to accept mobile banking provided by Melli
• Bank of Iran”, International Journal of eBusiness and eGovernment Studies, Vol. , No. 2, pp.81-89. Attar, G.A. & Sweiss, R.J. (2010), “The relationship between information technology adoption and job satisfaction in contracting companies in Jordan”,
• Journal of Information Technology in Construction, Vol. 15, No. 1, pp.44-63. Ayouby, R., Croteau, A. Raymond, L. (2013), “Impact of cultural influences on
• Internet adoption. Proceeding of the 46th Hawaii International Conference on System Sciences. 7-10 January, Wailea, USA. Baker, E.W., Al-Gahtani, S.S. & Hubona, G.S. (2007), “The effects of gender and age on new technology implementation in a developing country: Testing the theory of planned behavior (TPB)”, Information Technology & People, Vol. 20, No. 4, pp.352-375.
• Berisha-Shaqiri, A. & Berisha-Namani, M. (2015), “Information technology and the digital economy”, Mediterranean Journal of Social Sciences, Vol. 6, No.6, pp.78-83.
• Betancourt, H. & López, S.R. (1993), “The study of culture, ethnicity, and race in
• American psychology”, American Psychologist, Vol. 48, No. 6, pp.629-637. Chiliya, N., Chikandiwa, C.K. & Afolabi, B. (2011), “Factors affecting small micro medium enterprises’ (SMMEs) adoption of e-commerce in the Eastern
• Cape Province of South Africa”, International Journal of Business and Management, Vol. 6, No. 10, pp.28-36. Chimucheka, T. (2013), “Overview and performance of the SMMEs Sector in
• South Africa”, Mediterranean Journal of Social Sciences, Vol. 4, No. 14, pp.783- Dlodlo, N. & Dhurup, M. (2013), “Drivers of e-marketing adoption among small and medium enterprises (SMEs) and variations with age of business owners”,
• Mediterranean Journal of Social Sciences, Vol. 4, No. 14, pp.53-66. Dubihlela, J. & Ngxukumeshe, T. (2016). Eco-friendly Retail Product Attributes,
• Customer Attributes and the Repurchase Intentions of South African Consumers. International Business & Economics Research Journal, Vol. 15, No.4, pp.163- Dockel, J.A. & Ligthelm, A.A. (2002), “Factors that contribute to small business survival”, Southern African Business Review, Vol. 6, No. 2, pp.1-7.
• Faja, S. & Trimi, S. (2008), “Privacy concerns in e-commerce: An empirical investigation of gender differences”, International Journal of Electronic Business, Vol. 6, No. 4, pp.386-404.
• Faloye, D.O. (2014), “The adoption of e-commerce in small businesses: An empirical evidence from retail sector in Nigeria”, Journal of Business and Retail
• Management Research (JBRMR), Vol. 8, No. 2, pp.54-64. Ford, F., Ledbetter, W. & Roberts, T. (1996), “The impact of decision support training on computer use: The effect of prior training, age, and gender”, Journal of End User Computing, Vol. 8, No.3, pp.15-23.
• Fouad, N.A. & Byars‐Winston, A.M. (2005), “Cultural context of career choice:
• Meta‐analysis of race/ethnicity differences”, The Career Development Quarterly, Vol. 53, No. 3, pp.223-233. Hernández, B., Jiménez, J. & Martín, M.J. (2011), “Age, gender and income: do they really moderate online shopping behaviour?”, Online Information Review, Vol. 35, No. 1, pp.113-133.
• Hoti, E. (2015), “The technological, organizational and environmental framework of IS innovation adaption in small and medium enterprises. Evidence from research over the last 10 years”, International Journal of Business and Management, Vol. III, No. 4, pp.1-14.
• Hove, P. & Chikungwa, T. (2013), “Internal factors affecting the successful growth and survival of small and micro agri-business firms in Alice Communal area”, Journal of Economics, Vol. 4, No. 1, pp.57-67.
• Iscan, E. (2012), “The impact of information and communication technology on economic growth: Turkish case”, International Journal of eBusiness and eGovernment Studies, Vol. 4, No. 2, pp.17-26.
• Kaasa, A. (2013), “Culture as a possible factor of innovation: Evidence from the European Union and neighbouring countries”, Search Working Paper.
• Kit Yeng, S., Osman, A., Haji-Othman, Y. & Safizal, M. (2015), “E-commerce adoption among small and medium enterprises (SMEs) in Northern State of
• Malaysia”, Mediterranean Journal of Social Sciences, Vol. 6, No. 5, pp.37-43. Kotzé, T.G., & Anderson, O. & Summerfield, K. (2016), “Technophobia: Gender differences in the adoption of high-technology consumer products”, South African
• Journal of Business Management, Vol. 47, No. 1, pp.21-28. Kurt, N., Savaş, B., Gϋnay, G. & Ҫeştepe, H. (2014), “Consumer perceived online purchasing” Proceedings of the 4th International Conference on Humanities and Social Sciences (ICHSS). May 31 May-01 June, 2014, Budva-Montenegro, Italy.
• Li, H. & Lai, M.M. (2011), “Demographic differences and Internet banking acceptance”, MIS Review, Vol. 16, No. 2, pp.55-92.
• Mane, A., Kapaj, I., Muҫa, E. & Mziu, X. (2014), “Factors that influence the acceptance of e-commerce in developing countries: Case of Albania”, Advanced
• Research in Scientific Areas, Vol. 1, No. 5, pp.64-67. Martins, C., Oliveria, T. & Popovič, A. (2014), “Understanding the Internet banking adoption: A unified theory of acceptance and use of technology and perceived risk application”, International Journal of Information Management, Vol. 34, No. 1, pp.1-13.
• Mazzarol, T. (2015), “SMEs engagement with e-commerce, e-business and e- marketing”, Small Enterprise Research, Vol. 22, No. 1, pp.79-90.
• McCubbin, H.I., Thompson, E.A., Thompson, A.I., McCubbin, M.A. & Kaston, A.J. (1993), “Culture, ethnicity, and the family: Critical factors in childhood chronic illnesses and disabilities”, Pediatrics, Vol. 91, No. 5, pp.1063-1070.
• Morris, M.G. & Venkatesh, V. (2000), “Age differences in technology adoption decisions: Implications for a changing work force”, Personnel Psychology, Vol. , No. 1, pp.375-403.
• Nwankwo, O. & Eze, O.R. (2013), “Electronic payment in cashless economy of
• Nigeria: Problems and prospect”, Journal of Management Research, Vol. 5, No. , pp.138-151. Olatokun, W. & Bankole, B. (2011), “Factors influencing electronic business technologies adoption and use by small and medium scale enterprises (SMES) in a
• Nigerian Municipality”, The Journal of Internet Banking and Commerce, Vol. 16, No. 3, pp.1-26. Olawale, O. & Garwe, D. (2010), “Obstacles to the growth of new SMEs in South
• Africa: A principal component analysis approach”, African Journal of Business Management, Vol. 4, No. 1, pp.729-738. Richard, L.P.V. (2012), “Information and communication technology as score competence in the hospitality industry in the City of Cape Town, South Africa”,
• International Journal of eBusiness and eGovernment Studies, Vol. 4, No. 2, pp.37-46. Rosen, B.C. (1959), “Race, ethnicity, and the achievement syndrome”, American
• Sociological Review, Vol. 24, No. 1, pp.47-60. Shaharudin, M.R., Omar, M.W., Elias, S.J., Ismail, M., Ali, S.M. & Fadzil, M.I. (2014), “Determinants of electronic commerce adoption in Malaysian SMEs’ furniture industry”, African Journal of Business Management, Vol. 6, No. 10, pp.3648-3661.
• Shukla, T. & Singh, A. (2014), “Employee perception towards technology in banking sector”, Research Journal of Social Science & Management, Vol. 4, No. , pp.85-94.
• Straub, D.W. (1994), “The effect of culture on IT diffusion: E-mail and fax in
• Japan and the U.S.”, Information Systems Research, Vol. 5, No. 1, pp.23-47. Teo, T.S.H. & Lim, V.K.G. (1996), “Factors influencing personal computer usage: The gender gap”, Women Management Review, Vol. 11, No. 8, pp.18-26.
• Tolba, A.H. & Mourad, M. (2011), “Individual and cultural factors affecting diffusion of innovation”, Journal of International Business & Cultural Studies, Vol. 5, No. 1, pp.1-16.
• Uraltas, T. & Koroglu, D. (2012), “Exploring a new electronic retailing trend in
• Turkey and the world: Private shopping”, International Journal of eBusiness and eGovernment Studies, Vol. 4, No. 2, pp.47-56. Vasileiadis, A. (2014), “Security concerns and trust in the adoption of M- commerce”, Socialinės Technologijos Social Technologies, Vol. 4, No. 1, pp.179
• Venkatesh, V. & Davis, F., (2000), “A theoretical extension of the technology acceptance model: Four longitudinal field studies”, Management Science, Vol. 46, No. 2, pp.186-204.
• Venkatesh, V., Davis, G.B., Davis, F.D. & Morris, M.G. (2003), “User acceptance of information technology: Toward a unified view”, MIS Quarterly, Vol. 27, No. , pp.425-478.