Several prior studies on IT adoption within SMEs
found that IT adoption and usage is significantly affected by
the firm IT capability [22]. Moreover, most US businesses
have significant difficulty affording the costs of ICT tools
while 90% of these businesses consider lack of financial
resources and skills as the main barriers to ICT adoption
[23]. With regard to the financial constraints experienced by
the majority of SMEs, as well as the high start-up costs of
ICT or very expensive software or ready-to-use online
packages, it is expected that SMEs generally cannot afford
to adopt ICT or reap its benefits through the effective use of
ICT, in short or medium period of time [23].
HO2:IT capability has no significant effect on SIS
implementation