1. Agarwal, R., & Prasad, J. (1999). Are individual differences germane to the acceptance of new information technologies? Decision Sciences, 30(2), 361–391.
2. Arbuckle, J. L. (2006). AMOS (Version 7.0) [Computer Program]. Chicago: SPSS.
3. Bagozzi, R. P., Davis, F. D., & Warshaw, P. R. (1992). Development and test of a theory of technological learning and usage. Human Relations, 45(7), 660–686.
4. Bandura, A. (1977). Self-efficacy: Toward a unifying theory of behavioral change. Psychologist, 37, 122–147.
5. Barclay, D., Higgins, C., & Thompson, R. (1995). The Partial Least Squares (PLS) approach to causal modeling: Personal computer adoption and use as an illustration. Technology Studies, 2(2), 285–309.