@incollection{,
	
					
					
					F83F57D79F0C4F10A13E240B744360F6
				,
	author={{ShreehanShahid} and {International Islamic University Islamabad}},
	journal={{Global Journal of Computer Science and Technology}},
	journal={{GJCST}}0975-41720975-435010.34257/gjcst,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}1341723
}

@incollection{b0,
	
	
		,
	title={{Perceived Usefulness, Ease of Use, and Usage of Information Technology: A Replication}}
		,
	author={{
			DAAdams
		} and {
			RRNelson
		} and {
			PATodd
		}}
		
		
	
	
		,
	journal={{MIS Quarterly}}
		
			16
			2
			
			,
	year={1992}
		
	

}

@incollection{b1,
	
	
		,
	title={{Computer Technology Acceptance Success Factors in Saudi Arabia: An Exploratory Study}}
		,
	author={{
			SSAl-Gahtani
		}}
	
	
		,
	journal={{Journal of Global Information Technology Management}}
		
			7
			1
			
			,
	year={2004}
		
	

}

@book{b2,
	
	
		,
	author={{
			IAjzen
		}}
		,
	title={{Attitudes, Personality, and Behavior}}
				Milton-Keynes
		
			,
	publisher={Open University Press}
			,
	year={1988}
		
	

}

@incollection{b3,
	
	
		,
	title={{The Theory of Planned Behavior}}
		,
	author={{
			IAjzen
		}}
	
	
		,
	journal={{Organizational Behavior and Human Decision Processes}}
		
			50
			2
			
			,
	year={1991}
		
	

}

@incollection{b4,
	
	
		,
	title={{The Application of IT for Competitive Advantage at Keane, Inc}}
		,
	author={{
			MRAndrews
		} and {
			RPapp
		}}
		
	
	
		,
	booktitle={{Organizational Achievement and Failure in Information Technology Management}}
				,
	editor={
			MKhosrowpour
		}
		Hershey
		
			,
	publisher={IDEA Group Publishing}
			,
	year={2000}
			
		
	

}

@incollection{b5,
	
	
		,
	title={{Strategic Orientation, Management Characteristics, and Performance: A Study of Spanish SMEs}}
		,
	author={{
			AAragon-Sanchez
		} and {
			GSanchez-Marin
		}}
		
	
	
		,
	journal={{Journal of Small Business Management}}
		
			43
			3
			
			,
	year={2005}
		
	

}

@incollection{b6,
	
	
		,
	title={{SMEs and the World Wide Web: Opportunities and Prospects}}
		,
	author={{
			TBeal
		}}
	
	
		,
	booktitle={{Small and Medium Enterprises in Asia Pacific Countries}}
				,
	editor={
			MA I BAbdullah & M
			Bakar
		}
		Huntington
		
			,
	publisher={Nova Science Publishers Inc}
			,
	year={2000}
			
		
	

}

@incollection{b7,
	
	
		,
	title={{Information Technology Adoption: Evidence from a Voice Mail Introduction}}
		,
	author={{
			HCBenham
		} and {
			BCRaymond
		}}
		
	
	
		,
	journal={{Computer Personnel}}
		
			17
			1
			
			,
	year={1996}
		
	

}

@incollection{b8,
	
	
		,
	title={{Small and Medium Enterprises Dynamics in Indonesia}}
		,
	author={{
			ABerry
		} and {
			ERodriguez
		} and {
			HSandee
		}}
		
		
	
	
		,
	journal={{Bulletin of Indonesian Economic Studies}}
		
			37
			3
			
			,
	year={2001}
		
	

}

@incollection{b9,
	
	
		,
	title={{Small and Medium Enterprises Dynamics in Indonesia}}
		,
	author={{
			ABerry
		} and {
			ERodriguez
		} and {
			HSandee
		}}
		
		
	
	
		,
	journal={{Bulletin of Indonesian Economic Studies}}
		
			37
			3
			
			,
	year={2001}
		
	

}

@incollection{b10,
	
	
		,
	title={{Human Error and Information Systems Failure: The Case of The London Ambulance Service Computer-aided Dispatch System Project}}
		,
	author={{
			PBeynon-Davies
		}}
	
	
		,
	journal={{Interacting with Computers}}
		
			11
			6
			
			,
	year={1999}
		
	

}

@incollection{b11,
	
	
		,
	title={{Factors Used in the Selection of Packaged Software in Small Businesses: Views of Owners and Managers}}
		,
	author={{
			PY KChau
		}}
	
	
		,
	journal={{Information & Management}}
		
			29
			2
			
			,
	year={1995}
		
	

}

@incollection{b12,
	
	
		,
	title={{Inhibitors to EDI Adoption in Small Businesses: An Empirical Investigation}}
		,
	author={{
			PY KChau
		}}
	
	
		,
	journal={{Journal of Electronic Commerce Research}}
		
			2
			2
			
			,
	year={2001}
		
	

}

@incollection{b13,
	
	
		,
	title={{An Exploration of Factors that Influence the Ability of Small and Medium Sized Enterprises to Engage in Electronic Commerce: Preliminary Findings from 34 Australian Case Studies}}
		,
	author={{
			SBChau
		} and {
			PTurner
		}}
		
	
	
		,
	booktitle={{Proceedings of The13th Australasian Conference on Information Systems}}
				The13th Australasian Conference on Information SystemsMelbourne
		
			,
	year={2002}
			
		
	

}

@incollection{b14,
	
	
		,
	title={{Technology Adaptation in E-Commerce: Key Determinants of Virtual Stores Acceptance}}
		,
	author={{
			L.-DChen
		} and {
			JTan
		}}
		
	
	
		,
	journal={{European Management Journal}}
		
			22
			1
			
			,
	year={2004}
		
	

}

@incollection{b15,
	
	
		,
	title={{Factors Affecting the Adoption and Diffusion of XML and Web Services Standards for E-Business Systems}}
		,
	author={{
			MChen
		}}
	
	
		,
	journal={{International Journal of Human-Computer Studies}}
		
			58
			3
			
			,
	year={2003}
		
	

}

@incollection{b16,
	
	
		,
	title={{Small Business Management: An IT-Based Approach}}
		,
	author={{
			Y.-SChen
		} and {
			PPChong
		} and {
			JCChen
		} and {
			.-H
		}}
		
		
		
	
	
		,
	journal={{Journal of Computer Information Systems}}
		
			41
			2
			
			,
	year={2000}
		
	

}

@book{b17,
	
	
		,
	title={{Small and Medium Entrepreneurs in Southeast Asia}}
		,
	author={{
			RClapham
		}}
		
			,
	year={1985}
			,
	publisher={Institute of Southeast Asian Studies}
			,
	address={Singapore}
		
	

}

@incollection{b18,
	
	
		,
	title={{User Acceptance of Information Technology: System Characteristics, User Perceptions and Behavioral Impacts}}
		,
	author={{
			FDDavis
		}}
	
	
		,
	journal={{International Journal Man-Machine Studies}}
		
			38
			3
			
			,
	year={1993}
		
	

}

@incollection{b19,
	
	
		,
	title={{User Acceptance of Computer Technology: A Comparison of Two Theoretical Models}}
		,
	author={{
			FDDavis
		} and {
			RPBagozzi
		} and {
			PRWarshaw
		}}
		
		
	
	
		,
	journal={{Management Science}}
		
			35
			8
			
			,
	year={1989}
		
	

}

@incollection{b20,
	
	
		,
	title={{A Critical Assessment of Potential Measurement Biases in the Technology Acceptance Model: Three Experiments}}
		,
	author={{
			FDDavis
		} and {
			VVenkatesh
		}}
		
	
	
		,
	journal={{International Journal Human-Computer Studies}}
		
			45
			1
			
			,
	year={1996}
		
	

}

@incollection{b21,
	
	
		,
	title={{Information Systems Success: The Quest for the Dependent Variable}}
		,
	author={{
			WDelone
		} and {
			EMclean
		}}
		
	
	
		,
	journal={{Information Systems Research}}
		
			3
			1
			
			,
	year={1992}
		
	

}

@incollection{b22,
	
	
		,
	title={{Determinants of Success for Computer Usage in Small Business}}
		,
	author={{
			WHDelone
		}}
	
	
		,
	journal={{MIS Quarterly}}
		
			12
			1
			
			,
	year={1988}
		
	

}

@incollection{b23,
	
	
		,
	title={{Strategic Uses of E-Commerce by SMEs in the East of England}}
		,
	author={{
			SDrew
		}}
	
	
		,
	journal={{European Management Journal}}
		
			21
			1
			
			,
	year={2003}
		
	

}

@incollection{b24,
	
	
		,
	title={{Characteristics of Organizational Environments and Perceived Environmental Uncertainty}}
		,
	author={{
			RBDuncan
		}}
	
	
		,
	journal={{Administrative Science Quarterly}}
		
			17
			3
			
			,
	year={1972}
		
	

}

@book{b25,
	
	
		,
	title={{Small Business in Indonesia}}
		,
	author={{
			PVDiermen
		}}
		
			,
	year={1997}
			,
	address={Avebury, Aldershot, Hants, England; Brookfield, Vt}
		
	

}

@incollection{b26,
	
	
		,
	title={{Strategic Uses of E-Commerce by SMEs in The East of England}}
		,
	author={{
			SDrew
		}}
	
	
		,
	journal={{European Management Journal}}
		
			21
			1
			
			,
	year={2003}
		
	

}

@book{b27,
	
	
		,
	title={{Belief, Attitude, Intention, and Behavior: An Introduction to Theory and Research}}
		,
	author={{
			MFishbein
		} and {
			IAjzen
		}}
		
		
			,
	year={1975}
			,
	publisher={Addison-Wesley}
			,
	address={Reading, MA}
		
	

}

@incollection{b28,
	
	
		,
	title={{The Technology Acceptance Model and Use of Technology in New Zealand Dairy Farming}}
		,
	author={{
			RFlett
		} and {
			FAlpass
		} and {
			SHumphries
		} and {
			CMassey
		} and {
			SMorriss
		} and {
			NLong
		}}
		
		
		
		
		
	
	
		,
	journal={{Agricultural Systems}}
		
			80
			2
			
			,
	year={2004}
		
	

}

@incollection{b29,
	
	
		,
	title={{Information Systems Effectiveness in Small Businesses: Extending A Singaporean Model in Canada}}
		,
	author={{
			AO DGuinea
		} and {
			HKelley
		} and {
			MGHunter
		}}
		
		
	
	
		,
	journal={{Journal of Global Information Management}}
		
			13
			3
			
			,
	year={2005}
		
	

}

@incollection{b30,
	
	
		,
	title={{Financial Vulnerability of Small Business Owner}}
		,
	author={{
			MSGutter
		} and {
			TSaleem
		}}
		
	
	
		,
	journal={{Financial Services Review}}
		
			14
			2
			
			,
	year={2005}
		
	

}

@incollection{b31,
	
	
		,
	title={{Small-medium Enterprise and Rapid Industrialization: The ASEAN Experience}}
		,
	author={{
			HHill
		}}
	
	
		,
	journal={{Journal of Asian Business}}
		
			11
			2
			
			,
	year={1995}
		
	

}