## 2 Literature Review  
### Extended Unified Theory of Acceptance and Use of Technology  
Many scholars have researched the acceptance of new technology products and services by consumers [7; 8; 9]. The most frequently used theory in regard to explaining consumers' willingness to adopt new technology-based products/services is the technology acceptance model (TAM) [12]. The TAM has gained significant popularity in technology academia since its introduction, which is due to its simplicity and adaptability in regard to predicting the adoption of a new technology [13]. According to the TAM [12], the perceived usefulness and ease of use of a new technology are the main predictors of attitudes towards using a new technology, which positively affects the behavioral intention to use them. The TAM has been widely used in many fields, but the problem that has been raised is that it is somewhat insufficient in order to fully explain consumers' acceptance [14; 15]. Numerous logics are associated with technology adoption behavior, such as the motivational model (MM) [16], the model combining the technology acceptance model and the theory of planned behavior (C-TAM-TPB) [17], and the model of personal computer utilization (MPCU) [18] have been employed to account for the TAM's inadequacies. The most widely known theory among the various theories in the technology field is the UTAUT, which was proposed by [PERSON] et al. [11]. The UTAUT is considered to be one of the most extensive and significant theories in regard to explaining consumers' acceptance of new technology products/services, because it incorporates several of the previous theories [19; 20]. According to [PERSON] et al. [11], the UTAUT proposes that four factors are crucial in regard to deciding how users behave and accept a product/service, and these factors include performance expectations, ease of use expectations, social influence, and facilitating conditions. First, performance expectancy refers to the level at which individuals believe adopting a system will help achieve benefits in job performance [11]. This concept resembles perceived usefulness from the TAM and extrinsic motivation, which is presented in the MM, and it is the expected benefit of achieving a certain purpose. Second, effort expectancy can be defined as \"the degree of ease associated with the use of the system\" [11] (p. 450). This notion replicates perceived ease of use, a variable of the TAM, and complexity in the MPCU, which indicates how easy it is for consumers to learn. Third, social influence means \"the degree to which an individual perceives that important others believe he or she should use the new system\" [11] (p. 451). It is comparable to subjective norms in the C-TAM-TPB and social factors in the MPCU, which emphasize the way other people look at things. Fourth, facilitating conditions refer to \"the degree to which an individual believes that an organizational and technical infrastructure exists to support the use of the system\" [11] (p. 453). They are similar to perceived behavioral control from the C-TAM-TPB and facilitating conditions in the MPCU, and they indicate the ability to perform a certain behavior. The UTAUT has made important contributions to the study of new technology adoption, but it fails to consider that consumers may experience anxiety, which is due to unexpected consequences when using technology-based products/services [21]. This study extends the UTAUT for this critical reason by incorporating perceived risk. Perceived risk refers to \"the nature and amount of risk perceived by a consumer in contemplating a particular purchase decision\" [22] (p. 433). The concept is theoretically supported by the theory of perceived risk [23], which suggests that individuals tend to prioritize avoiding or reducing negative consequences over maximizing benefits when taking risks. Perceived risk arises when consumers are unsure of the potential consequences of a particular behavior and the potential dissatisfaction that may result from it [24].