Modelling SME e-commerce with IMAES
Purpose: There are several studies about the adoption of e-commerce for small-to-medium enterprises (SMEs) that separately, and in a dispersed manner, examine different theoretical approaches. The purpose of this paper is to unify a set of variables to form an integrated model of measurement of the...
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- Tipo de recurso:
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- 2019
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- Universidad de Medellín
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- Repositorio UDEM
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- eng
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- oai:repository.udem.edu.co:11407/6093
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Modelling SME e-commerce with IMAES |
title |
Modelling SME e-commerce with IMAES |
spellingShingle |
Modelling SME e-commerce with IMAES |
title_short |
Modelling SME e-commerce with IMAES |
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Modelling SME e-commerce with IMAES |
title_fullStr |
Modelling SME e-commerce with IMAES |
title_full_unstemmed |
Modelling SME e-commerce with IMAES |
title_sort |
Modelling SME e-commerce with IMAES |
description |
Purpose: There are several studies about the adoption of e-commerce for small-to-medium enterprises (SMEs) that separately, and in a dispersed manner, examine different theoretical approaches. The purpose of this paper is to unify a set of variables to form an integrated model of measurement of the adoption of e-commerce for SMEs. Design/methodology/discussion: Based on an extensive review of empirical studies focused on the adoption of e-commerce in SMEs, a grouped and integrated model of e-commerce among SMEs was constructed. It was built upon the methodology of psychometrics and was subsequently statistically tested for reliability and validity. A broad study has not been carried out. Thus, the small sample size does not allow the estimation of this model’s predictability. Findings: This paper proposes a final model, comprising 14 variables (82 items), grouping the significant effects of e-commerce adoption. Originality/value: This tool is feasible, offering an initial model enabling detailed examination of variables affecting the adoption of e-commerce in SMEs. It contributes significantly to the development of this line of research. © 2018, Emerald Publishing Limited. |
publishDate |
2019 |
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2021-02-05T14:59:30Z |
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2021-02-05T14:59:30Z |
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2019 |
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8858624 |
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http://hdl.handle.net/11407/6093 |
dc.identifier.doi.none.fl_str_mv |
10.1108/JBIM-04-2018-0132 |
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8858624 10.1108/JBIM-04-2018-0132 |
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http://hdl.handle.net/11407/6093 |
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eng |
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eng |
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Abou-Shouk, M., Megicks, P., Lim, W., Perceived benefits and e-commerce adoption by sme travel agents in developing countries: evidence from Egypt (2013) Journal of Hospitality & Tourism Research, 37 (4), pp. 490-515. , https://doi.org/10.1177/1096348012442544 Alam, S., Yunus, A., Jani, M., An empirical study of factors affecting electronic commerce adoption among SMEs in Malaysia/veiksniu, turinciu itakos elektorinei prekybai, studija: malaizijos pavyzdys (2011) Journal of Business Economics and Management, 12 (2), p. 375. , https://doi.org/10.3846/16111699.2011.576749 Al-Bakri, A., Katsioloudes, M., The factors affecting e-commerce adoption by jordanian SMEs (2015) Management Research Review, 38 (7), pp. 726-749. , https://doi.org/10.1108/MRR-12-2013-0291 AlexArias, M., Garabet, (2016) Internet for all a framework for accelerating internet access and adoption, , World Economic Forum, Geneva AlSharji, A., Syed, Z., Bakar, A., Understanding social media adoption in SMEs: empirical evidence from the United Arab Emirates (2018) Journal of Entrepreneurship in Emerging Economies, 10 (2), pp. 302-328. , https://doi.org/10.1108/JEEE-08-2017-0058, available from Amin, M., Hussin, H., E-commerce adoption in SME retail sector: a conceptual model (2014) 2014 the 5th International Conference on Information and Communication Technology for the Muslim World, ICT4M 2014, , https://doi.org/10.1109/ICT4M.2014.7020677 Asare, A., Brashear–Alejandro, T., Kang, J., B2B technology adoption in customer driven supply chains (2016) Journal of Business & Industrial Marketing, 31 (1), pp. 1-12. , https://doi.org/10.1108/JBIM-02-2015-0022 Asare, A., Brashear–Alejandro, T., Granot, E., Kashyap, V., The role of channel orientation in B2B technology adoption (2011) Journal of Business & Industrial Marketing, 26 (3), pp. 193-201. , https://doi.org/10.1108/08858621111115912 Awa, H., Ojiabo, O., Emecheta, B., Integrating TAM, TPB and TOE frameworks and expanding their characteristic constructs for e-commerce adoption by SMEs (2015) Journal of Science and Technology Policy Management, 6 (1). , https://doi.org/10.1108/JSTPM-04-2014-0012 Barney, J., Firm resources and sustained competitive advantage (1991) Journal of Management, 17 (1). , https://doi.org/10.1177/014920639101700108 Bocconcelli, R., Cioppi, M., Pagano, A., Social media as a resource in SMEs’ sales process (2017) Journal of Business & Industrial Marketing, 32 (5), pp. 693-709. , https://doi.org/10.1108/JBIM-11-2014-0244 Bolat, E., Kooli, K., Wright, L., Businesses and mobile social media capability (2016) Journal of Business & Industrial Marketing, 31 (8), pp. 971-981. , https://doi.org/10.1108/JBIM-10-2016-270 Cecere, A., El comercio electrónico (e-Commerce) : Una posible ventana de oportunidad Para las firmas En los países En vías de desarrollo (2016) Revista Internacional de Investigación y Docencia, 1 (1), pp. 120-119 Chen, J., McQueen, R., Factors affecting e-commerce stages of growth in small chinese firms in New Zealand: an analysis of adoption motivators and inhibitors (2008) Journal of Global Information Management, 16 (1), pp. 26-60. , https://doi.org/10.4018/jgim.2008010102 Chen, L., Holsapple, C., E-business adoption research: state of the art (2013) Journal of Electronic Commerce Research, 14 (3), pp. 261-286. , http://search.proquest.com/docview/1445138922?accountid=17193%5Cnhttp://sfx.brad.ac.uk/sfx_local?url_ver=Z39.88-2004&rft_val_fmt=info:ofi/fmt:kev:mtx:journal&genre=article&sid=ProQ:ProQ:abiglobal&atitle=E-BUSINESS+ADOPTION+RESEARCH:+STATE+OF+THE+ART&title Cook, D., Beckman, T., Current concepts in validity and reliability for psychometric instruments: theory and application (2006) American Journal of Medicine, 119 (2). , https://doi.org/10.1016/j.amjmed.2005.10.036 Davis, F., Perceived usefulness, perceived ease of use, and user acceptance of information technology (1989) MIS Quarterly, 13 (3), pp. 319-340. , https://doi.org/10.2307/249008 Dey, A., Vijayaraman, B., Choi, J., RFID in US hospitals: an exploratory investigation of technology adoption (2016) Management Research Review, 39 (4), pp. 399-424. , https://doi.org/10.1108/MRR-09-2014-0222 Esmaeilpour, M., Hoseini, S., Jafarpour, Y., An empirical analysis of the adoption barriers of e-commerce in small and medium sized enterprises (SMEs) with implementation of technology acceptance model (2016) International Journal of Control Theory and Applications Feng, L., Ma, J., Wang, Y., Yang, J., Comparison study on development path for small and medium-sized enterprises e-commerce using complex fuzzy sets (2018) International Journal of Computational Intelligence Systems, 11 (1), pp. 716-724 George, D., Mallery, P., (2003) SPSS for Windows Step by Step: A Simple Guide and Reference, 11.0 Update, , https://doi.org/10.1177/1073191112446654, Allyn y Bacon, Boston, MA Ghobakhloo, M., Arias–Aranda, D., Benitez–Amado, J., Adoption of E-Commerce Applications in SMEs (2011) Industrial Management & Data Systems, 111. , https://doi.org/10.1108/02635571111170785 Giotopoulos, I., Kontolaimou, A., Korra, E., Tsakanikas, A., What drives ICT adoption by SMEs? Evidence from a large-scale survey in Greece (2017) Journal of Business Research, 81, pp. 60-69. , https://doi.org/10.1016/j.jbusres.2017.08.007 Grandon, E., Pearson, J., Electronic commerce adoption: an empirical study of small and medium US businesses (2004) Information and Management, 42 (1), pp. 197-216. , https://doi.org/10.1016/j.im.2003.12.010 Harris, K., Marett, K., Harris, R., An investigation of the impact of effective factors on the success of e-commerce in small- and medium-sized companies (2017) Computers in Human Behavior, 66 (1), pp. 67-74. , https://doi.org/10.1016/j.chb.2013.06.008 Huy, L., Rowe, F., Truex, D., Van, H., An empirical study of determinants of e-commerce adoption in SMEs in vietnam an economy in transition (2012) Journal of Global Information Management, 20 (3), pp. 23-54. , https://doi.org/10.4018/jgim.2012070102 Hyrkäs, K., Appelqvist–Schmidlechner, K., Oksa, L., Validating an instrument for clinical supervision using an expert panel (2003) International Journal of Nursing Studies, 40 (6), pp. 619-625. , https://doi.org/10.1016/S0020-7489(03)00036-1 Kaiser, H., An index of factorial simplicity (1974) Psychometrika, 39 (1), pp. 31-36. , https://doi.org/10.1007/BF02291575 Katz, R., Agudelo, M., Bello, P., Rojas, E., (2015) El Ecosistema y La Economía Digital En América Latina, , http://repositorio.cepal.org/bitstream/handle/11362/38916/ecosistema_digital_AL.pdf?sequence=1, Edited by Fundación Telefonica. Barcelona: Ed. Ariel Lopez-Nicolas, C., Soto-Acosta, P., Analyzing ICT adoption and use effects on knowledge creation: an empirical investigation in SMEs (2010) International Journal of Information Management, 30 (6), pp. 521-528. , https://doi.org/10.1016/j.ijinfomgt.2010.03.004 MacGregor, R., Factors associated with formal networking in regional small business: some findings from a study of swedish SMEs (2004) Journal of Small Business and Enterprise Development, 11 (1), pp. 60-74. , https://doi.org/10.1108/14626000410519100 MacGregor, R., Kartiwi, M., Perception of barriers to e-commerce adoption in SMEs in a developed and developing country (2010) Journal of Electronic Commerce in Organizations, 8 (1), pp. 61-82. , https://doi.org/10.4018/jeco.2010103004, No MacGregor, R., Vrazalic, L., A basic model of electronic commerce adoption barriers: a study of regional small businesses in Sweden and Australia (2005) Journal of Small Business and Enterprise Development, 12 (4), pp. 510-527. , https://doi.org/10.1108/14626000510628199 Molla, A., Heeks, R., Tjia, P., Adding clicks to bricks: a case study of e-commerce adoption by a catalan small retailer (2006) European Journal of Information Systems, 15 (4), pp. 424-438. , https://doi.org/10.1057/palgrave.ejis.3000623 Montazemi, A., Qahri-Saremi, H., Factors affecting adoption of online banking: a Meta-analytic structural equation modeling study (2015) Information & Management, 52 (2), pp. 210-226. , https://doi.org/10.1016/j.im.2014.11.002 Ongori, H., Migiro, S., Information and communication technologies adoption in SMEs: literature review (2010) Journal of Chinese Entrepreneurship, 2 (1), pp. 93-104. , https://doi.org/10.1108/17561391011019041 Osorio-Gallego, C., Londoño–Metaute, J., López–Zapata, E., Analysis of factors that influence the ICT adoption by SMEs in Colombia (2016) Intangible Capital, 12 (2), pp. 666-698 Parker, C., Castleman, T., Why should small firms adopt ebusiness? a framework for understanding the SME ebusiness context (2011) ACIS 2007: Proceedings of the 18th Australasian Conference on Information Systems, pp. 497-507. , www.deakin.edu.au/dro/view/DU:30008026 Plewa, C., Troshani, I., Francis, A., Rampersad, G., Technology adoption and performance impact in innovation domains (2012) Industrial Management & Data Systems, 112 (5), pp. 748-765. , https://doi.org/10.1108/02635571211232316 Porter, M., The five competitive forces that shape strategy (2008) Harvard Business Review, 86, pp. 78-94. , https://doi.org/Article, available from Rahayu, R., Day, J., Determinant factors of e-commerce adoption by SMEs in developing country: evidence from Indonesia (2015) Procedia - Social and Behavioral Sciences, 195, pp. 142-150. , https://doi.org/http://dx.doi.org/10.1016/j.sbspro.2015.06.423 Rivard, S., Raymond, L., Verreault, D., Resource-based view and competitive strategy: an integrated model of the contribution of information technology to firm performance (2006) Journal of Strategic Information Systems, 15 (1), pp. 29-50. , https://doi.org/10.1016/j.jsis.2005.06.003 Rogers, E., (1995) Diffusion of Innovations, , https://doi.org/citeulike-article-id:126680, Edited by FP, The Free Press, New York, NY Rohm, A., Kashyap, V., Brashear, T., Milne, G., The use of online marketplaces for competitive advantage: a latin american perspective (2004) Journal of Business & Industrial Marketing, 19 (6), pp. 372-385. , https://doi.org/10.1108/08858620410556318 Saffu, K., Walker, J., Hinson, R., Strategic value and electronic commerce adoption among small and medium-sized enterprises in a transitional economy (2008) Journal of Business & Industrial Marketing, 23 (6), pp. 395-404. , https://doi.org/10.1108/08858620810894445 Savrul, M., Incekara, A., Sener, S., The potential of e-commerce for SMEs in a globalizing business environment (2014) Procedia - Social and Behavioral Sciences, 150, pp. 35-45. , https://doi.org/10.1016/j.sbspro.2014.09.005 Scholtes, V., Terwee, C., Poolman, R., What makes a measurement instrument valid and reliable? (2011) Injury, 42 (3), pp. 236-240. , https://doi.org/10.1016/j.injury.2010.11.042 Scupola, A., SMEs’ e-Commerce adoption: perspectives from Denmark and Australia (2009) Journal of Enterprise Information Management, 22 (1-2), pp. 152-166. , https://doi.org/10.1108/17410390910932803 Sin, K., Osman, A., Salahuddin, S., Abdullah, S., Lim, Y., Sim, C., Relative advantage and competitive pressure towards implementation of e-commerce: overview of small and medium enterprises (SMEs) (2016) Procedia Economics and Finance, 35, pp. 434-443. , https://doi.org/10.1016/S2212-5671(16)00054-X Skjong, R., Wentworth, B., Expert judgement and risk perception (2000) Det Norske Veritas, pp. 1-8. , http://research.dnv.com/skj/Papers/SkjWen.pdf Stewart, T., Luthans, F., A general contingency theory of management (1977) Academy of Management Review, 2 (2), pp. 181-195. , https://doi.org/10.5465/AMR.1977.4409038 Sunday, C., Vera, C., Examining information and communication technology (ICT) adoption in SMEs (2018) Journal of Enterprise Information Management, 31 (2), pp. 338-356. , https://doi.org/10.1108/JEIM-12-2014-0125 Thong, J., Yap, C., CEO characteristics, organizational characteristics and information technology adoption in small businesses (1995) Omega, 23 (4), pp. 429-442. , https://doi.org/10.1016/0305-0483(95)00017-I Tornatzky, L., Fleischer, M., The processes of technological innovation (1990) The Journal of Technology Transfer, 16 (1), pp. 45-46. , https://doi.org/10.1007/BF02371446, available from Triandini, E., Djunaidy, A., Siahaan, D., Mapping requirements into e-commerce adoption level: a case study Indonesia SMEs (2017) 2017 5th International Conference on Cyber and IT Service Management, CITSM 2017, , https://doi.org/10.1109/CITSM.2017.8089273 Venkatesh, V., Michael, G., Morris, G., Davis, F., User acceptance of information technology: toward a unified view (2011) Management Information Systems Research Centre, University of Minnesota, 27 (3), pp. 425-478 Venkatesh, V., Morris, M., Davis, G., Davis, F., User acceptance of information technology: toward a unified view (2003) MIS Quarterly, pp. 425-478. , www.vvenkatesh.com/it/organizations/Theoretical_Models.asp#Con=structdefs Weir, J., Quantifying test-retest reliability using the intraclass correlation coefficient and the SEM (2005) The Journal of Strength and Conditioning Research, 19 (1), pp. 231-240. , https://doi.org/10.1519/15184.1, available from Wild, D., Grove, A., Martin, M., Eremenco, S., McElroy, S., Verjee–Lorenz, A., Pennifer, E., Principles of good practice for the translation and cultural adaptation process for patient-reported outcomes (PRO) measures: report of the ISPOR task force for translation and cultural adaptation (2005) Value in Health, 8 (2), pp. 94-104. , https://doi.org/10.1111/j.1524-4733.2005.04054.x Wilson, H., Daniel, E., Davies, I., The diffusion of e-commerce in UK SMEs (2008) Journal of Marketing Management, 24 (5-6), pp. 489-516. , https://doi.org/10.1362/026725708X325968 Wymer, S., Regan, E., Factors influencing e-commerce adoption and use by small and medium businesses (2005) Electronic Markets, 15 (4), pp. 438-453. , https://doi.org/10.1080/10196780500303151 Wymer, S., Regan, E., Wilson, H., Daniel, E., Davies, I., Stockdale, R., Standing, C., Adoption of electronic commerce tools in business procurement: enhanced buying center structure and process (2008) Management Research Review, 22 (1), pp. 195-209. , https://doi.org/10.1108/08858620810894445 Yeng, S., Bahari, A., Osman, A., Hassan, H., Ling, S., Jin, L., Abdullah, S., CEO’s technology knowledge towards e-commerce adoption: perspective of small and medium enterprises (SMEs) (2016) Advanced Science Letters, 22 (5), pp. 1477-1480 Zwillenberg, P., Field, D., Dean, D., (2014) Greasing the Wheels of the Internet Economy, , The Boston Consulting Group, Boston |
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http://purl.org/coar/access_right/c_16ec |
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http://purl.org/coar/access_right/c_16ec |
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Emerald Group Publishing Ltd. |
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Mercadeo |
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Facultad de Ciencias Económicas y Administrativas |
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Emerald Group Publishing Ltd. |
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Journal of Business and Industrial Marketing |
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Universidad de Medellín |
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Repositorio Institucional Universidad de Medellin |
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20192021-02-05T14:59:30Z2021-02-05T14:59:30Z8858624http://hdl.handle.net/11407/609310.1108/JBIM-04-2018-0132Purpose: There are several studies about the adoption of e-commerce for small-to-medium enterprises (SMEs) that separately, and in a dispersed manner, examine different theoretical approaches. The purpose of this paper is to unify a set of variables to form an integrated model of measurement of the adoption of e-commerce for SMEs. Design/methodology/discussion: Based on an extensive review of empirical studies focused on the adoption of e-commerce in SMEs, a grouped and integrated model of e-commerce among SMEs was constructed. It was built upon the methodology of psychometrics and was subsequently statistically tested for reliability and validity. A broad study has not been carried out. Thus, the small sample size does not allow the estimation of this model’s predictability. Findings: This paper proposes a final model, comprising 14 variables (82 items), grouping the significant effects of e-commerce adoption. Originality/value: This tool is feasible, offering an initial model enabling detailed examination of variables affecting the adoption of e-commerce in SMEs. It contributes significantly to the development of this line of research. © 2018, Emerald Publishing Limited.engEmerald Group Publishing Ltd.MercadeoFacultad de Ciencias Económicas y Administrativashttps://www.scopus.com/inward/record.uri?eid=2-s2.0-85056787228&doi=10.1108%2fJBIM-04-2018-0132&partnerID=40&md5=9307209f94c7763152b7ba12a431a495341137149Abou-Shouk, M., Megicks, P., Lim, W., Perceived benefits and e-commerce adoption by sme travel agents in developing countries: evidence from Egypt (2013) Journal of Hospitality & Tourism Research, 37 (4), pp. 490-515. , https://doi.org/10.1177/1096348012442544Alam, S., Yunus, A., Jani, M., An empirical study of factors affecting electronic commerce adoption among SMEs in Malaysia/veiksniu, turinciu itakos elektorinei prekybai, studija: malaizijos pavyzdys (2011) Journal of Business Economics and Management, 12 (2), p. 375. , https://doi.org/10.3846/16111699.2011.576749Al-Bakri, A., Katsioloudes, M., The factors affecting e-commerce adoption by jordanian SMEs (2015) Management Research Review, 38 (7), pp. 726-749. , https://doi.org/10.1108/MRR-12-2013-0291AlexArias, M., Garabet, (2016) Internet for all a framework for accelerating internet access and adoption, , World Economic Forum, GenevaAlSharji, A., Syed, Z., Bakar, A., Understanding social media adoption in SMEs: empirical evidence from the United Arab Emirates (2018) Journal of Entrepreneurship in Emerging Economies, 10 (2), pp. 302-328. , https://doi.org/10.1108/JEEE-08-2017-0058, available fromAmin, M., Hussin, H., E-commerce adoption in SME retail sector: a conceptual model (2014) 2014 the 5th International Conference on Information and Communication Technology for the Muslim World, ICT4M 2014, , https://doi.org/10.1109/ICT4M.2014.7020677Asare, A., Brashear–Alejandro, T., Kang, J., B2B technology adoption in customer driven supply chains (2016) Journal of Business & Industrial Marketing, 31 (1), pp. 1-12. , https://doi.org/10.1108/JBIM-02-2015-0022Asare, A., Brashear–Alejandro, T., Granot, E., Kashyap, V., The role of channel orientation in B2B technology adoption (2011) Journal of Business & Industrial Marketing, 26 (3), pp. 193-201. , https://doi.org/10.1108/08858621111115912Awa, H., Ojiabo, O., Emecheta, B., Integrating TAM, TPB and TOE frameworks and expanding their characteristic constructs for e-commerce adoption by SMEs (2015) Journal of Science and Technology Policy Management, 6 (1). , https://doi.org/10.1108/JSTPM-04-2014-0012Barney, J., Firm resources and sustained competitive advantage (1991) Journal of Management, 17 (1). , https://doi.org/10.1177/014920639101700108Bocconcelli, R., Cioppi, M., Pagano, A., Social media as a resource in SMEs’ sales process (2017) Journal of Business & Industrial Marketing, 32 (5), pp. 693-709. , https://doi.org/10.1108/JBIM-11-2014-0244Bolat, E., Kooli, K., Wright, L., Businesses and mobile social media capability (2016) Journal of Business & Industrial Marketing, 31 (8), pp. 971-981. , https://doi.org/10.1108/JBIM-10-2016-270Cecere, A., El comercio electrónico (e-Commerce) : Una posible ventana de oportunidad Para las firmas En los países En vías de desarrollo (2016) Revista Internacional de Investigación y Docencia, 1 (1), pp. 120-119Chen, J., McQueen, R., Factors affecting e-commerce stages of growth in small chinese firms in New Zealand: an analysis of adoption motivators and inhibitors (2008) Journal of Global Information Management, 16 (1), pp. 26-60. , https://doi.org/10.4018/jgim.2008010102Chen, L., Holsapple, C., E-business adoption research: state of the art (2013) Journal of Electronic Commerce Research, 14 (3), pp. 261-286. , http://search.proquest.com/docview/1445138922?accountid=17193%5Cnhttp://sfx.brad.ac.uk/sfx_local?url_ver=Z39.88-2004&rft_val_fmt=info:ofi/fmt:kev:mtx:journal&genre=article&sid=ProQ:ProQ:abiglobal&atitle=E-BUSINESS+ADOPTION+RESEARCH:+STATE+OF+THE+ART&titleCook, D., Beckman, T., Current concepts in validity and reliability for psychometric instruments: theory and application (2006) American Journal of Medicine, 119 (2). , https://doi.org/10.1016/j.amjmed.2005.10.036Davis, F., Perceived usefulness, perceived ease of use, and user acceptance of information technology (1989) MIS Quarterly, 13 (3), pp. 319-340. , https://doi.org/10.2307/249008Dey, A., Vijayaraman, B., Choi, J., RFID in US hospitals: an exploratory investigation of technology adoption (2016) Management Research Review, 39 (4), pp. 399-424. , https://doi.org/10.1108/MRR-09-2014-0222Esmaeilpour, M., Hoseini, S., Jafarpour, Y., An empirical analysis of the adoption barriers of e-commerce in small and medium sized enterprises (SMEs) with implementation of technology acceptance model (2016) International Journal of Control Theory and ApplicationsFeng, L., Ma, J., Wang, Y., Yang, J., Comparison study on development path for small and medium-sized enterprises e-commerce using complex fuzzy sets (2018) International Journal of Computational Intelligence Systems, 11 (1), pp. 716-724George, D., Mallery, P., (2003) SPSS for Windows Step by Step: A Simple Guide and Reference, 11.0 Update, , https://doi.org/10.1177/1073191112446654, Allyn y Bacon, Boston, MAGhobakhloo, M., Arias–Aranda, D., Benitez–Amado, J., Adoption of E-Commerce Applications in SMEs (2011) Industrial Management & Data Systems, 111. , https://doi.org/10.1108/02635571111170785Giotopoulos, I., Kontolaimou, A., Korra, E., Tsakanikas, A., What drives ICT adoption by SMEs? 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