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Sfax University}}, journal={{Global Journal of Computer Science and Technology}}, journal={{GJCST}}0975-41720975-435010.34257/gjcst, address={Cambridge, United States}, publisher={Global Journals Organisation}211114 } @incollection{b0, , title={{Are Individual Differences Germane to the Acceptance of New Information Technologies?}} , author={{ RAgarwal } and { JPrasad }} , booktitle={{Decision Sciences, vol°30, n°2}} , year={1998} } @incollection{b1, , title={{Mobile Banking Adoption: Application of Diffusion of innovation Theory}} , author={{ IMAl-Jabri } and { MSSohail }} , journal={{Journal of Electronic Commerce Research}} 13 , year={2012} } @incollection{b2, , title={{SME Adoption of Wireless LAN Technology: Applying the UTAUT Model}} , author={{ JEAnderson } and { PHSchwager }} , booktitle={{Proceedings of the 7thConference of the Southern Association for Information Systems}} the 7thConference of the Southern Association for Information Systems , year={2004} } @book{b3, , title={{L'impact d'Internet sur la gestion de la relation client. 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