Hair, J.F. Jr., Hult, G.T.M., Ringle, C.M., Sarted, M. (2014), A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM). Califrnia: Sage Publication, Inc.Hall, J.A., Tomiie, S. (2005), Information Technology Auditing and Assurance. 2nd ed. USA: