With the outbreak of the Covid-19 pandemic, many health providers and insurance companies have faced challenges due to the high levels of uncertainty. Many of these companies have relied on mobile apps to connect with their patients and clients to ensure business sustainability during and after...

Variation in technology adoption is a key driver of differences in productivity. Previous studies sought to explain variations in technology adoption by heterogeneity in profitability, costs of adoption, or other factors. Less is known about how adoption is affected by bias in the perceived...