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Businesses choose to invest in information systems (IS) for a number of reasons such as; pressure to cut costs, pressure to bring more without increasing costs and simply to improve the quality of services or products in order to stay in the market (Legris, Ingham, & Collerette, 2001). Therefore this enables the cross-border electronic commerce to benefit the consumers and stores by limiting transactional costs, increase product at a great deal of variety and lower market price through market competition (Han & Kim, 2019). This brings into question the idea behind the adoption of Information and Communication Technology (ICT) to benefit consumers and businesses in emerging technologies. The data presented in Malaysia show that the level of ICT acceptance is low and slow, mainly because they find that ICT adoption is difficult (Hashim, 2007). Understanding how small and medium enterprises (SME) owners …