Explanatory models of e-Government adoption are based on the premise that user behavior results from users’ intentions, which derive from users’ beliefs and attitudes. According to such models, citizens’ high intentions to use e-Government tools should have led to the widespread adoption...

Presently, one of the most critical challenges for e-government and e-banking is the accurate and correct realization of factors that have a significant impact on customer behavior. Without appropriate knowledge of these factors, it would be impossible to predict the level of welcoming toward...