Perceived Usefulness

Adams et al.,(1992); David Gefen et al. [77] ; Lgbaria et al., (1996)

Attitude

Sorce et al., (2005); Limayem Et Al (2000)

Convenience

Alreck And Settle (2002)

Perceived Risk

Hassan et al., (2006)

Website Features

(Aladwani And Palvia, 2002)

Trust

Gefen And Straub [7]

Innovativeness

Goldsmith And Hofacker [126] ; And Citrin et al. [3]

Subjective Norm

(Shih And Fang, 2004).

Involvement

Young et al. [117] ; Jean And Gilles [109]

Adoption Intention (dependent variable in this study)

Kim And Park (2005); Shim et al. [20]