## 1 Introduction  
Internet of Things, or IoT, refers to the billions of physical objects around the world, wirelessly connected to the internet and each other, collecting and sharing data. Cheap processors and wireless networks can integrate anything into the IoT. Such a procedure adds digital intelligence to devices, by allowing them to communicate by themselves. The idea of adding sensor and intelligence to basic objects was discussed throughout the 1980s and 1990s, but apart from some early projects, such as an internet-connected vending machine, progress was slow, simply because the technology was not ready. The term Internet of Things (IoT) was coined in 1999 by [PERSON] [1], a British technology pioneer, during a presentation he made at Procter & Gamble (P&G). \"The IoT integrates the interconnectedness of human culture--our 'things'--with the interconnectedness of our digital information system--'the internet.' That's the IoT,\" [PERSON] [1]. The IoT aims to extend the benefits of the regular internet--constant connectivity, remote control ability, data sharing, and so on--to goods in the physical world [2]. Its powerhouse is efficiency and innovation, enabling connectivity for everyone, everything and everywhere. The IoT is the hot trend in the tech and business world. [PERSON] [3] states that, \"IoT is a fast-growing constellation of Internet-connected sensors attached to a wide variety of things\". There are numerous real-world applications of IoT such as smart homes, wearable devices, smart healthcare, smart buildings, smart city, smart farming, smart appliances and so on, ranging from consumer IoT and enterprise IoT to manufacturing and industrial IoT (IIoT). IoT applications span numerous verticals, including automotive, telecommunications, energy and more. Some widely used technology acceptance theories may not be eligible or applicable for exploring individuals' adoption of IoT applications. After the technology acceptance model (TAM) [4] and its extensions were heavily criticized [5; 6; 7], more antecedents were incorporated leading to the creation of Unified Theory of Acceptance and Use of Technology (UTAUT) and later to UTAUT2 models [8]. Several studies have investigated the technical issues of implementing IoT technology [9]. [PERSON], [PERSON] and [PERSON] [10] and [PERSON] and [PERSON] [11] identified the security and privacy issues as the major challenges for user-oriented IoT applications. [PERSON] and [PERSON] [12] explored IoT security. [PERSON], [PERSON] and [PERSON] [13] explained the architecture of IoT. [PERSON], [PERSON], [PERSON] and [PERSON] [14] outlined IoT best practices based on the web technologies and recommended prototypes using the web principles. [PERSON] [15] found that factors, such as technical issues, personal characters, environmental factors, and cost factor affect the users' adoption of IoT products. The original IoT aimed to increase supply chain efficiencies for organizations [16], but more recently the potentials of IoT applications in social networking [16], smart cities [17] and m-health [18] have been explored. [PERSON], [PERSON] and [PERSON] [19] showed that all factors from technology acceptance, health behavior, and privacy context perspectives would significantly affect consumers' decision to adopt wearable technology in healthcare. Potential discrepancies between IoT and the adoption process of other information technologies must be factored. It is unlikely that even complicated technology adoption models will fail to investigate IoT adoption [8]. Though IoT's overarching aim is to make an individual's life easier and simpleminded, there may be other objections that could decelerate or even hinder its adoption process. Much prior research has focused on the design and usage of IoT technologies from the point of view of the organization or industry [20], while little attention has been devoted to understanding the acceptance of IoT technologies from the perspective of individual consumers [21].