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Horst, M., Kuttschreuter, M. and Gutteling, J.M. (2007) Perceived Usefulness, Personal Experiences, Risk Perception and Trust as Determinants of Adoption of e-Government Services in the Netherlands. Computers in Human Behavior, 23, 1838-1852.
http://dx.doi.org/10.1016/j.chb.2005.11.003

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