1. Introduction
The expected productivity gains and organizational
benefits delivered by information systems (IS) cannot
be realized unless they are actually used. Acceptance
and utilization of IS has been identified as one of the
critical issues by IS executives [33] and researchers
[9]. However, IS users are not likely to adopt or use a
system if they perceive it to be difficult to use. The
technology acceptance model (TAM) [8], the most
widely applied model among a variety that have been