the novelty technology of single platform E-payment. These included, but were not restricted to, the Theory of Diffusion … of Innovations (DIT) (Rogers, 1995), the Theory of Reasonable Action (TRA) (Fishbein and Ajzen, 1975), Theory of Planned … Behavior (TPB) (Ajzen, 1985, 1991), Decomposed Theory of Planned Behaviour, (Taylor and Todd, 1995), the Technology Acceptance …