Psychological Traits and Intention to Use E-Commerce among Rural Micro-Entrepreneurs in Malaysia

: This study was set out to chieﬂy examine the inﬂuence of psychological traits—need of achievement (“N of Ach”) and risk-taking propensity (RTP)—on perceived usefulness (PUF) and perceived ease of use (PercEU), as well as their effects on the intention to use e-commerce among rural micro-entrepreneurs. This study exploited the psychological traits theories and the technology acceptance model (TAM) by utilizing samples represented by rural micro-entrepreneurs. The results of the study found that the N of Ach and RTP signiﬁcantly inﬂuence PUF and PercEU. The two original TAM constructs and PercEU have signiﬁcant relationships with PUF and intention. At the same time, it was also found that there exists a signiﬁcant relationship between PUF and intention. This study therefore serves to ﬁll the gaps where N of Ach and RTP of rural micro-entrepreneurs are seldom tested to examine the effects of perceptions of beneﬁts and ease of use on the adoption of e-commerce. On top of that, this study provides vital input to policy makers and stakeholders of rural development in their efforts to increase the adoption of e-commerce among rural micro-entrepreneurs.


Introduction
It is no secret that small and medium-sized enterprises (SMEs) represent the main drivers of a nation's economy. SMEs provide job opportunities and contribute significantly towards a nation's gross domestic product (GDP) [1,2]. In Malaysia, SMEs represent more than 99% of total business establishments involving in sectors of manufacturing, services, agriculture, mining, and construction. Out of those sectors, almost 80% are micro-sized SMEs of which a majority are focused in service sector activities [3]. As the nation's main economic drivers, SMEs inevitably attract the government's attention concerning their growth and issues of sustainability [4]. As part of its continuous effort to promote new business establishments, the Malaysian government actively encourages the public to choose entrepreneurship as their first career choice. Various programs have been organized by the government to inculcate entrepreneurial culture among the public and cultivate their interest in entrepreneurship. Besides, enhancing entrepreneurship activities also comprised one of the government's robust strategies to develop rural areas [5].
The government actively strives to provide a conducive business environment to support new start-up business ventures and the growth of existing businesses. The government's display of support and commitment is succinctly manifested in the "Rural Development Policy" in which entrepreneurship represents the main thrust. This bold action taken by the government is timely as previous studies have posited that rural communities' active involvement in entrepreneurial activities can ultimately have a positive impact on the growth of local economies [6]. The rapid growth of entrepreneurship activities can also have positive chain effects on other economic activities such as job creation, private investment flow, and the rural migration rate [7]. To further strengthen existing entrepreneurship activities, the government has taken a proactive action of enhancing business support programs, so that a conducive business environment can be created for rural folks to form new businesses. In addition, the support programs are also meant to boost the sustainability of existing businesses [8]. Furthermore, the government's financial support programs such as soft loans and grants are made available to small businesses as a means to finance their capital expenditures and daily working capitals, at the same time encouraging the building of physical infrastructures to support the establishment of convenient business activities [8].
In spite of all these, current changes in the global entrepreneurial ecosystem as a result of rapid technological changes have had a greater impact on the larger SMEs' activities, affecting rural micro-enterprises the most [9,10]. Moreover, a combination of financial constraints and low skills further exacerbate the impacts of rapid technological changes for micro-SMEs as the fierce competition is now fueled by a new digital business environment in which technology plays an increasingly important role in every single business activity [11]. Nonetheless, SMEs of all sizes need to ride the new technological wave in order to remain relevant in the market. Explaining the importance of the role of technology to SMEs, the results of a study conducted by [11] on four countries, namely Poland, the USA, Turkey, and China, found that social media was the main medium of communication between customers and companies, SMEs in this context. Never before has the role of technology in business proven to be so compelling than in the recent context when most retail economic activities were 'taken over' by technology, in particular, during the COVID-19 pandemic where human movements were severely restricted [12]. This dramatic change in business environment was particularly noticeable when most retail business transactions were done online as consumers were no longer free to move to shop. It was generally found that SMEs using e-commerce to sell their products and services were most likely to survive the first wave of the COVID-19 pandemic s lockdown measures [13]. Meanwhile, SMEs, especially micro-enterprises that did not use e-commerce platforms for their typical business activities, were found to be severely affected by the lockdowns, with a tremendous decline in their revenues.
Therefore, to mitigate the burgeoning crisis, the government has been actively encouraging new and existing SMEs to adopt e-commerce as an essential element of their business model in order for them to stay relevant amid a highly competitive market. The rapidly shifting trends and developments only serve to support the timeliness of the formation of the National Entrepreneurship Policy 2030 (NEP 2030) in 2019 [5]. The NEP 2030 provides relevant guidelines to entrepreneurs in navigating their activities as well as acting as a catalyst for growth among Malaysian SMEs. One of the objectives of NEP 2030 is to promote the usage of technology and digitization among SMEs, especially among micro-SMEs. In order to realize this objective, various agencies were made responsible to train micro-entrepreneurs in digitalization application skills, such as e-market platforms and social media, so that they can be effectively integrated in their daily business activities. Indeed, the government's move to provide support assistance in the form of trainings and provision of a digital entrepreneur digitalization platform have been very timely. On top of that, in line with the latest technological developments and the fourth industrial revolution (Industry 4.0), the government is also currently developing and coordinating various online hubs for rural businesses to ensure that they retain their competitiveness [8]. The initiative also aims to expand the rural business market through online platforms, synonymously and widely known as e-commerce. In other words, the government is actively promoting the transformation of rural business transactions and activities from the conventional brick-and-mortar system into a more convenient platform of e-commerce. Naturally, these rapid changes in an entrepreneurial ecosystem demand entrepreneur to maximize their technology usage and digitalize their business activities [14]. This vitally important business transformation effort is also aligned with the aim of the NEP 2030, which is to establish digital entrepreneurship that is in line with the current business climate. Entrepreneurial digitization has the potential to strengthen marketing activities and also build domestic and global market chains. In addition, past studies have shown that online businesses are popular among many entrepreneurs due to their low operational costs, which means that they are especially suitable for small-sized businesses with limited financial resources [15]. This explains why e-commerce today has become a popular and effective platform for conducting one's business activities as well as acting as a substitute for conventional business practices [16].
Recognizing the importance of the use of technology, especially e-commerce in business, this study aims to investigate the factors that influence the intentions and tendencies of rural small entrepreneurs to use e-commerce in their daily activities. This study is based on TAM and the traits theory, where TAM basically advocates that the intention to use technology is obtained by PerEU and PUF, while the traits theory states that entrepreneurial behavior also plays a role in decision making. Thus, this study suggests that traits factors are able to influence the PerEU and PUF of entrepreneurs towards e-commerce. These two theories are discussed further in Section 2.

The Context of the Study
This study exploited TAM and traits theory in order to explain the intention and the actual behavior that encourages the adoption of e-commerce among businesses. The main components of TRA are attitudes, subjective norms, intentions, and behaviors. Subjective norms and attitudes constitute the two main predictors in the TRA model. An attitude refers to the level of an individual perception of a particular action. Meanwhile, subjective norms are defined as social factors that put pressure or influence an individual's intentions [17]. In contrast, in TAM, attitude measurement was replaced by PercEU and PUF, to which they serve as predictors of intentions. The intention here mediates the relationships between PercEU and PUF and behaviors. In a theoretical sense, the intention to use new technologies is actually influenced by both PercEU and PUF [18]. This explains why TAM is widely used in studies involving the adoption of new technologies. Besides that, TAM also was applied by a number of researchers to examine the behavior of internet users [19][20][21]. In fact, TAM has been used in various disciplines such as entrepreneurship, ICT, and e-commerce [22][23][24]. The authors of [25] argued that the constructs in the original TAM were unable to comprehensively explain the diversity of users' behavior. This is because factors that influence the decision to use e-commerce among consumers are different from those among business organizations. In addition, the use of e-commerce among consumers is also regarded as a voluntary decision, while in contrast, the decision for organizations to adopt e-commerce is typically based on a set of instructions or policies.
Indeed, various forms of technologies have been introduced to the market. This naturally affects the factors that influence their usages. As a result, the influence factors differ between each technology. This fact explains how the influencing factors of the usage of technology are not limited to PUF and PercEU only. There are in fact other factors that require careful analysis in order to offer more factually supported information on the factors that influence the use of technology among businesses. This results in the basic TAM, seen as incapable to make effective predictions on all types of technology uses [26]. This consequently prompted researchers to make appropriate modifications to the basic TAM. A myriad of research in M-banking made necessary modifications to this model. For example, the authors of [27] added awareness, compatibility, and resistance on their intentions to use mobile banking in Bangladesh. Meanwhile, the authors of [28,29] furnished the model with security perceptions, consumption cost perceptions, and risk perceptions. The combination of external factors as determinants to PUF and PercEU was made in accordance with the philosophy of this model which allows for modifications [30,31].
The arguments above serve as evidence that many modifications have indeed been made to the basic TAM. In general, RTP and N of Ach, which represents the entrepreneur's traits, are factored as determinants of PUF and PercEU in order to explain the attitude of micro-entrepreneurs in Malaysia towards e-commerce usage. On the other hand, based solely on the entrepreneurship perspective, TAM was mostly exploited to examine environmental factors such as determinants of PUF and PercEU. However, rarely have the effects of psychological factors been tested on both PUF and PercEU, making it highly imperative to analyze an individual's psychological factors, as the individual entrepreneur's character and personality may possibly influence business decision-making activities. According to Kassim (2003), psychological character, or traits a personality in a person, differs between individuals. Past studies in this field have focused on the influence of traits on business performance and the tendency of individuals to engage in entrepreneurship. Almost the entire study found that traits have a significant and positive influence on business performance. It also has a significant influence on the tendency to engage in entrepreneurship. The authors of [32] found that N of Ach and RTP are among the traits that influence the initial success of a business. These findings reinforce the results of a study conducted by [33] who found that N of Ach is able to predict an individual's tendency to engage in entrepreneurship as well as business performance. In other words, traits theory states that entrepreneurs have certain characters and traits that make them able to create success in business. Among the main characters that have been identified are need of achievement, risk attitude, locus of control, self-efficacy, openness, innovativeness, and extraversion [34][35][36][37]. The past findings discussed form the basis of this study to evaluate the relationship of entrepreneurial traits, namely N of Ach and RTP, with PercEU and PUF in the TAM model.
An entrepreneur is key personnel who determines and makes decisions in order to navigate the directions that his/her business takes [38,39]. Moreover, in comparison, the management structure of micro-sized SMEs is dissimilar to medium-sized SMEs and large firms, which are equipped with more systematic organization, and also rigorously practice a collective decision-making process. Therefore, it is highly pertinent that a study related to technology adoption among micro, rural SMEs is performed in order to analyze the influence and relevance of entrepreneurial psychology on both PUF and PercEU. This study aims to produce empirical evidence on the impact of RTP and N of Ach on PUF and PercEU in reference to the adoption of e-commerce among rural micro-entrepreneurs, a topic that seldom attains any attention by researchers. Furthermore, this study also intends to shed light on the topics of psychological influence and the propensity of e-commerce adoption among rural micro-entrepreneurs. The results of this study are expected to assist relevant parties in their efforts to formulate effective rural development policies, in particular, those involving entrepreneurial development and economic digitization.

Need of Achievement
Entrepreneurial success is related to the level of N of Ach in that it can be found within the entrepreneurs themselves. Indeed, entrepreneurs with a high N of Ach are more likely to succeed in comparison to entrepreneurs with a low N of Ach [40,41]. Individuals who possess a high N of Ach are more motivated when faced with challenging business environments, as they are more greatly compelled to achieve their performance targets than those with a low N of Ach [42,43]. Meanwhile, in view of employees' performance, N of Ach plays an important role in influencing individuals' job satisfaction, whereby those with a high N of Ach are found to be more capable of satisfactorily completing their work [44]. On the other hand, from an entrepreneurial perspective, N of Ach does yield a significant influence on a business' overall performance. A study by [45,46] found that entrepreneurs with a high N of Ach experience faster growth than those with a low N of Ach. Meanwhile, micro-entrepreneurs operating with limited financial resources and low skills and knowledge typically find e-commerce adoption to be a rather challenging task [47]. Ultimately, the decision to adopt e-commerce is very much dependent on its myriad of benefits, in particular, the effortlessness experience that comes with using the system [48].
Previous studies have also found that N of Ach is able to predict the tendency to engage in entrepreneurship among individuals [32,49,50]. Previous researchers have defined the field of entrepreneurship as the first step in starting a new business. Individuals with high N of Ach start a new business because it is driven by pull factors such as desire for independence, recognition, financial success, and self-realization [51]. Therefore, this study argues that an individual's decision to start a new business is made after taking into account the usefulness and easiness of the field to achieve the desired goal. In the context of e-commerce and TAM, theoretically N of Ach is also expected to have an impact on the PercUF and PEU of rural entrepreneurs in regard to the use of e-commerce, and to influence the intention to use it. Thus, it can be deduced from past arguments and studies that a high N of Ach is certainly able to influence entrepreneurs' perceptions on the benefits and ease of adopting an e-commerce system. Furthermore, entrepreneurs with a high N of Ach are also more likely to take up new challenges in order to achieve success, as they are generally found to be more willing to endeavor into new activities to improve their business performance. Therefore, this study hypothesizes that the:

Hypothesis 1 (H1):
Need of achievement significantly affects rural micro-entrepreneurs' perceived usefulness of e-commerce; and that the Hypothesis 2 (H2): Need of achievement significantly affects rural micro-entrepreneurs' perceived ease of use towards e-commerce.

Risk-Taking Propensity
In general terms, a risk refers to a situation that is exposed to unfavorable effects of uncertainties. Meanwhile, a risk situation denotes the probability of a negative event occurring that may affect a business' internal activities [52]. On the other hand, risktaking propensity is defined as the tendency to undertake a risky task with an aim of achieving a specific desired outcome [53]. In view of entrepreneurship, entrepreneurs are often described as individuals who tend and dare to take risks [54]. A risk taker is an individual that is generally confident in making decisions in uncertain situations with limited available information. Nonetheless, any acceptable level of risk is normally determined by individuals and their corresponding risk appetites. Risk-taking propensity is commonly found in investment-driven decision-making processes such as in setting up a new expansion effort or producing a new product for a new market [55].
Individuals are often faced with risks and must learn how to deal with them in order to meet their needs and wants. Basic needs of human beings include items such as safety needs and physiological needs, as well as self-actualization [56]. As far as achievement is concerned, McClelland argued that performance-oriented individuals work hard so that they may achieve what they desire. These individuals firmly believe that great success comes with great sacrifice, an idea that is closely associated with taking higher risks [57]. For micro-entrepreneurs, the decision to be involved in a new venture, specifically those related to technology, is deemed highly risky [58]. Based on the perspective of technology adoption, the decision to use technology (e-commerce) in daily business activities is considered risky among rural micro-entrepreneurs as well. One credible argument claims that as the majority of rural micro-entrepreneur's lack funds, technology exposure, and relevant skills in adopting a new technology, which, coupled with their limited funds for daily operations, consequently exposes them to a higher risk of failure [59]. However, the authors of [60,61] (1985) argued that a real entrepreneur naturally possesses a high tendency to take risks. In addition, entrepreneurs who have a clear mission and aspiration consistently strive to avoid failure, whereby they dare investing in risky decisions in their path towards business success. Using the consolidated arguments above as justifications, this study intensively examines the effects of RTP on rural micro-entrepreneurs' PUF and PercEU. This study therefore tests the following hypotheses of whether:

Perceived Usefulness and Perceived Ease of Use
PUF is a concept describing a consumer's confidence level towards a particular system that gives a positive impact on their work performance. Meanwhile, PercEU describes a consumer's confidence level towards a system or technology that is easy to use and does not require much effort [19,31]. This concept was first introduced in TAM by the authors of [31], who assumed that there existed relationships between PUF, PercEU, and the consumers' intention and behavior in using technology or making purchase decisions. Furthermore, TAM also suggests that PercEU has a significant influence on PUF. The perception of consumers on the ease of use of a technology inevitably affects the perception of the benefits that can be derived from the specific system or product. As a result, both PUF and PercEU can influence the intention and behavior of micro-entrepreneurs to use a specific technology. Numerous studies on PUF and PercEU have been conducted to examine the intensity of the relationship between these two constructs. A study conducted by the authors of [62] found that PUF and PercEU collectively influence teachers' attitude towards the usage of multimedia in teaching and learning activities. On the other hand, the authors of [63] asserted that perceived online community usefulness has a strong influence on boosting the intention to practice knowledge sharing among community members. In a study on mobile banking adoption, refrence [27] concluded that PUF and PercEU both play an important role in progressively influencing consumers' intention to use mobile banking.
The roles of PUF and PercEU in determining consumer intentions have been hotly debated among entrepreneurial researchers. A study related to the adoption of wellbeing programs among micro-entrepreneurs in Bangladesh conducted by [24] found that both PUF and PercEU help influence the acceptance of micro-entrepreneurs towards new technologies to improve their businesses' well-being. It was also found in the same study that PercEU has a significant relationship with PUF. In short, most TAM researchers found that consumers who believe in a technology or product that is friendly and easy to use will consequently be influenced by the belief of its many benefits, further accelerating its actual adoption. Therefore, this study hypothesizes the followings:

Materials and Methods
This study used quantitative methods to study a population that consisted of rural micro-entrepreneurs located in four localities in Kelantan. Furthermore, this study also applied cross-sectional data to measure the relationship of psychological traits, N of Ach and RTP, and PercEU, PUF, and intention. This study exploited the measurement scale developed and applied by previous researchers for measuring the relationship between these constructs. This approach warranted assurance to the reliability and validity of the instrument, as it was tested and accepted by many past researchers. To measure constructs under the psychological trait of N of Ach, this study utilized measurement scales developed by [64] which comprise five items. The RTP measurement items were adapted from [65], who used this scale to measure one of the features of entrepreneurial orientation. The scale contains five measurement items. For the construction of PercEU and PUF constructs, a measurement scale was borrowed from [66], who studied consumer acceptance towards online banking in Finland. This scale contains four and five measurement items, respectively. Last but not least, intention was measured using a measurement scale developed by [17,67]. This scale contains four measurement items. Meanwhile, the 5-point Likert scale was applied to measure the constructs, where number 1 indicates the lowest scale value representing a 'strongly disagree' view and number 5 points to the highest scale value representing a 'strongly agree' view. Prior to the collection of data through distribution of survey questions, a pilot test was conducted to confirm the items' reliability and validity. In addition, pilot tests to further verify the reliability and validity of measurement items as measurement scales were also developed abroad on the basis of different social and cultural backgrounds.
A total sample of 302 respondents consisting of micro-entrepreneurs were selected using a random sampling method. The sample size of 302 was selected as suggested by [68]. In addition, this study also obtained a list of SMEs from the Majlis Amanah Rakyat (People's Trust Council), a government agency responsible for the development of rural entrepreneurs. Meanwhile, structural equation modeling (SEM) was utilized to analyze the relationships between psychological traits, PercEU, PUF, and intention and the use of e-commerce among micro-entrepreneurs. The best-known techniques within SEM are the partial least squares (PLS) approaches. PLS are typically used to evaluate theoretical models as depicted in Figure 1, and are capable of simultaneously testing the relationship between indicators and latent variables (measurement models), and relationships between constructs (structural models), even in complex models [69]. These advantages possessed by PLS explain why these approaches were the most appropriate mechanisms to analyze the data of this study. In addition, the use of PLS is also in line with the objective of the study, which is forecast oriented where a normal data distribution is not required. and RTP, and PercEU, PUF, and intention. This study exploited the measurement scale developed and applied by previous researchers for measuring the relationship between these constructs. This approach warranted assurance to the reliability and validity of the instrument, as it was tested and accepted by many past researchers. To measure constructs under the psychological trait of N of Ach, this study utilized measurement scales developed by [64] which comprise five items. The RTP measurement items were adapted from [65], who used this scale to measure one of the features of entrepreneurial orientation. The scale contains five measurement items. For the construction of PercEU and PUF constructs, a measurement scale was borrowed from [66], who studied consumer acceptance towards online banking in Finland. This scale contains four and five measurement items, respectively. Last but not least, intention was measured using a measurement scale developed by [17,67]. This scale contains four measurement items. Meanwhile, the 5-point Likert scale was applied to measure the constructs, where number 1 indicates the lowest scale value representing a 'strongly disagree' view and number 5 points to the highest scale value representing a 'strongly agree' view. Prior to the collection of data through distribution of survey questions, a pilot test was conducted to confirm the items' reliability and validity. In addition, pilot tests to further verify the reliability and validity of measurement items as measurement scales were also developed abroad on the basis of different social and cultural backgrounds.
A total sample of 302 respondents consisting of micro-entrepreneurs were selected using a random sampling method. The sample size of 302 was selected as suggested by [68]. In addition, this study also obtained a list of SMEs from the Majlis Amanah Rakyat (People's Trust Council), a government agency responsible for the development of rural entrepreneurs. Meanwhile, structural equation modeling (SEM) was utilized to analyze the relationships between psychological traits, PercEU, PUF, and intention and the use of e-commerce among micro-entrepreneurs. The best-known techniques within SEM are the partial least squares (PLS) approaches. PLS are typically used to evaluate theoretical models as depicted in Figure 1, and are capable of simultaneously testing the relationship between indicators and latent variables (measurement models), and relationships between constructs (structural models), even in complex models [69]. These advantages possessed by PLS explain why these approaches were the most appropriate mechanisms to analyze the data of this study. In addition, the use of PLS is also in line with the objective of the study, which is forecast oriented where a normal data distribution is not required.

Characteristics of Demographics
The study first established that the majority of respondents were women (55.6%) and that men represented 44.4% of the total respondents. Furthermore, the study established that 87.7% of the respondents were married, whereas 10.9% of them were single and 1.3%

Characteristics of Demographics
The study first established that the majority of respondents were women (55.6%) and that men represented 44.4% of the total respondents. Furthermore, the study established that 87.7% of the respondents were married, whereas 10.9% of them were single and 1.3% of them were widows. In terms of age, 86.3% of the respondents were found to be younger than 41 years old, while 25.2% of them were aged between 41 to 50 years old, and only 18.2% of the respondents were found to be over 50 years old. With regard to educational qualifications, most respondents obtained a secondary school education. Nonetheless, 29.8% of the respondents had acquired a diploma, 6% of them had a degree, and a small 1.3% of them had obtained a master's degree. It is significant to note that only five respondents (1.7%) did not have a formal education background. On the other hand, insofar as business demographics were concerned, 92.7% of the respondents were operating as micro-sized businesses with a total employee count of less than five. At the same time, 86.8% of the respondents ran their businesses as sole proprietors, 11.3% as private limited companies, and 2.0% as a partnership. In addition, a majority of the respondents (93.0%) were involved in service activities and that the remaining 7% were focused on manufacturing activities. Lastly, only 61.7% of the respondents were found to have been in business for less than 10 years. The demographic information obtained are illustrated succinctly in Table 1.

Results of Measurement Model
Under measurement model assessment, the data reliability and validity were measured by examining items in latent variables [70].

Loading and Cross-Loading
Furthermore, the reliability of each measurement item construct was also examined in which loading with more than 0.4 value is generally considered acceptable [71]. Meanwhile, internal consistency was used to test whether the scale used was able to measure the concept that should be measured or otherwise. In general terms, a score above 0.7 is considered acceptable. Table 2 and Figure 2 shows that the loading value obtained was above 0.7, which means that no internal consistency problems were found in the study.  Construct validity is defined when the loadings of all items exceed 0.7 and are greater on their own constructs and lower on other constructs [70]. Should there be a high correlation between the constructs, there is a possibility of multicollinearity problems arising within the model [69]. Nonetheless, the results gathered indicate no multicollinearity problems were found and that the measurement items were ultimately valid.

Convergent Validity
Convergent validity is a test to see if the items' measurements are positively corre- Construct validity is defined when the loadings of all items exceed 0.7 and are greater on their own constructs and lower on other constructs [70]. Should there be a high correlation between the constructs, there is a possibility of multicollinearity problems arising within the model [69]. Nonetheless, the results gathered indicate no multicollinearity problems were found and that the measurement items were ultimately valid.

Convergent Validity
Convergent validity is a test to see if the items' measurements are positively correlated with other items' measurements of the same construct. Average variance extracted (AVE) and composite reliability (CR) are factor loadings commonly used to determine convergent validity. In practical terms, convergent validity is achieved when the AVE value is 0.5 or more [70] and the CR value is 0.7 or more. The results shown in Table 3 found that all factor loadings-CR and AVE-exceeded their cut-off values [70]. Therefore, it can be deduced that the assumption of the convergent validity for this study was truly achieved.

Discriminant Validity
Discriminant validity shows the extent to which items in each construct differ from items in other constructs by examining the correlations between potentially overlapping constructs using the Fornell-Lacker criterion analysis. This measuring tool compares the AVE of each construct with the square correlation of all other constructs. The AVE value established must be higher than the square correlation value in order to achieve discriminant validity. Table 4 clearly exhibits the square correlation of each construct and confirms the validity of discrimination. The results of this test also indicate that there were no multicollinearity problems established in the model of this study.

Structural Model Result
The second phase of the PLS analysis was centered in making an assessment on the structural model used for the purpose of hypothesis testing [72]. In this phase, the relationship of the constructs was examined closely by making an assessment on the path coefficient (β) and t-statistics. Table 5 presents results of the hypothesis test. Meanwhile, results of the coefficient path analysis are revealed in Figure 3.    The study's findings exhibited in Table 5 and Figure 3 firmly supported all of the hypotheses proposed earlier in the study. Indeed, it was found that all independent variables of this study had a significant positive relationship with their respective dependent variables. N of Ach and RTP, which are the new constructs introduced in TAM, had significant relationships with both PercEU and PUF, in which the R 2 for these two relationships were 0.458 and 0.817, respectively. This recorded value of R 2 is generally considered high. It also reflects the N of Ach and RTP, which explained 45.8% of the PercEU variants [72]. Meanwhile with regard to PUF, the N of Ach and RTP relationship explained 81.7% of the PUF variants. Both PercEU and PUF also had a significant influence on intention, where 81.7% of the variance of INT was also explained by these two constructs.

Discussion
This study incorporated entrepreneurial traits theory and TAM together to unravel the issue of the low e-commerce adoption rate among SMEs, in particular, the rural microentrepreneurs. For the purpose of this study, TAM, which commonly exploits PercEU and PUF constructs in predicting the intention to use technology, was modified with the incorporation of two new constructs, N of Ach and RTP. Both of these constructs were selected to serve as predictions for PercEU and PUF and to examine the extent to which entrepreneurs' psychological traits influence the entrepreneurs' perception on ease of use and usefulness of e-commerce. Notably, the results reveal that all seven hypotheses made earlier in the study are firmly supported by data. Indeed, N of Ach and RTP both yield a significant influence on the rural micro-entrepreneurial perceptions of the benefits and importance of technology in a business. Both these constructs confirm the idea that an entrepreneurs' internal characteristics also play an important role in their eventual decision to adopt a specific technology for their businesses. Rural micro-entrepreneurs with a high N of Ach constantly see new things as opportunities and potential benefits that should be exploited to achieve their business plans and aspirations. In other words, the emergence of new innovations as a result of rapid technological changes is regarded as a provision of opportunities waiting to be exploited for rural micro-entrepreneurs with a clear direction and a high N of Ach. Furthermore, entrepreneurs with a high N of Ach are willing to carry out difficult and challenging tasks, as well as feeling confident that the tasks can in fact be accomplished. Results of their efforts symbolize rewards that give them the ultimate satisfaction and represent the key motivation for many successful entrepreneurs. This finding on N of Ach is in line with the finding of study by [73], who found that the need of achievement is a driving factor for the creation of new e-commerce ventures. Thus, it clearly shows that N of Ach is a significant predictor to entrepreneurs' perceptions of the benefits of e-commerce. As N of Ach in the TAM model has never been tested to measure its influence the usage on e-commerce among rural micro-entrepreneurs, and the findings of this study provide a new context in TAM and micro-entrepreneur studies.
On the other hand, the perspective of risks dictates that rural micro-entrepreneurs with a high RTP naturally dare to take up challenges and consistently find ways to succeed. With reference to this study, the adoption of e-commerce requires a relatively large amount of investments, and with limited skills, knowledge, and funds, the risk of adopting e-commerce is considered extremely high for rural micro-entrepreneurs. However, the results of this study indicate that rural micro-entrepreneurs with a high RTP can significantly influence their PercEU and PUF. Moreover, the results also indicate that RTP can positively influence PercEU and PUF, which can consequently affect the micro-entrepreneurs' intention to adopt e-commerce. Thus, this thesis validates the existing studies positing that RTP are able to influence new venture decisions [5,74,75]. The truth is that entrepreneurs with a high RTP do accept e-commerce as a necessity for their business development, as well as seeing it as a strategic tool for their business growth.
Predictably, both PercEU and PUF individually play a major role in influencing the decision to use e-commerce among rural micro-entrepreneurs. The results of this study are in line with other previous studies on the influence of PercEu and PU on dependent variables. A study by the authors of [76] found that PercEU and PUF were two critical factors the success of M-commerce adoption among Taiwan's entrepreneurs. The results also confirm the findings of a study conducted by the authors of [77], who found that PEU has a strong relationship with e-commerce adoption among gen-z entrepreneurs in Indonesia. Despite the entrepreneurs' obvious lack of skills and low level of education, PercEU and PUF successfully overcame major barriers that previously hindered the use of e-commerce among rural micro-entrepreneurs. In essence, positive PercEUs and PUF positively affect the PUF of e-commerce.
Theoretically, this study provides an understanding of the role of psychological factors on PerEU, PUF, and how they influence the intention to use e-commerce among rural entrepreneurs. Generally, this research provides two important implications for theory. First, the psychological factors and TAM literature are expanded through this research, which investigated the role of N of Ach and RTP in a TAM model predicting the intention to use e-commerce. This study argued that rural entrepreneurs are prepared to use e-commerce despite a lack of weakness if they are achievement oriented and risk takers. The role of these two variables has rarely been examined despite the importance of doing so. Secondly, this is the first study that empirically integrates and tests N of Ach and RTP as predictors to PercEU and PUF in TAM. Previous studies have focused more on the environmental factors and rarely consider these two variables. Thus, the findings of this study add to the literature on entrepreneurial psychological factors and TAM. The practical contribution of this study is to put a greater focus on enhancing the N of Ach and RTP of entrepreneurs, in order to increase the rate of technology adoption, in particular, e-commerce adoption. Active campaigns and a myriad of entrepreneurial culture programs for rural communities can also serve as forms of bold strategies employed to increase entrepreneurial self-motivation among rural micro-entrepreneurs. In addition, the rural micro-entrepreneurs' desire to grow and thrive in business also needs to be further nurtured and enhanced. This is because one of the development barriers for many rural SMEs is the owner's own preference to limit growth [7]. Therefore, should this attitude remain unchanged, the adoption of a new technology like e-commerce will only serve as another obstacle for the government in their efforts to properly develop rural areas, despite the technology's enormous potential as an enabler of rural development. The aggressive development of entrepreneurial attitudes and skills for rural micro-entrepreneurs is certainly needed to increase the viability and growth potentials of their businesses. This may include organizing programs that lead to the development of networking skills among micro-entrepreneurs so that information on not only business operations, but also on available government support programs, can be easily shared among themselves as they now view each other as peers. Plus, the programs can also be jointly organized with local business associations to guarantee a wider reach.
In addition, to ensure that micro-entrepreneurs are not left behind in the rapidly booming digital economy, a simple e-commerce platform that suits the size and nature of business preferences favored by rural micro-entrepreneurs must be urgently developed. Entrepreneurial development agencies and industry players are required to join hands to develop an e-commerce platform that can meet the needs of micro-businesses as well as suit their level of skills and education. Easy-to-operate software and gadgets enhance PercEU, which will inevitably have a positive impact on PUF, consequently increasing the tendency to use e-commerce among rural micro-entrepreneurs.

Conclusions
This study aimed to uncover the rural acceptance of micro-entrepreneurs towards the use of e-commerce in their business activities. Based on TAM and psychology theory, the findings of this study suggest that two entrepreneurial characteristics, namely N of Ach and RTP, are important elements in increasing the rate of e-commerce usage among rural entrepreneurs. The results of this study provide input that rural micro-entrepreneurs who have a high N of Ach and RTP have a high desire to use e-commerce as a tool to develop their business. Thus, this input is very meaningful and can be used by policy makers, business associations, and institutions of higher learning to design programs to increase the rate of e-commerce usage among entrepreneurs, particularly rural micro-entrepreneurs. This study also confirms the previous findings on the significant role of PUF and PercEU on consumer intentions towards technology adoption. In addition, this study reinforces TAM's prediction capability on consumer behavior towards new technologies, especially that of rural entrepreneurs. Thus, the study suggests that TAM is a reliable theoretical model to address technology adoption issues among rural entrepreneurs. Furthermore, this study highlights the role of psychology traits in influencing rural entrepreneurs' perception on e-commerce. Therefore, the rural economic development agencies should incorporate these two elements in any capacity building modules and rural entrepreneurship programs.
This study is not without limitations despite its significant contributions. The theoretical framework was developed to investigate the relationship of entrepreneurial psychological traits and PercEU and PU, which are the main drivers in TAM. However, this study did not measure the direct relationship between entrepreneurial psychological traits and intention. Moreover, this study also did not investigate the actual act towards e-commerce usage. Therefore, future studies are recommended to measure the influence of N of Ach and RTP on intention and the impact on actual usage. Overall, this study contributes to a better understanding on how psychological traits have positively carved perceptions on e-commerce among rural entrepreneurs, despite being surrounded by weaknesses such as a lack of infrastructure, shortness of funds, and less skills. The study also provides input that rural entrepreneurs are prepared to incorporate e-commerce technology in their business models, as it warrants business sustainability. This positive development permits rural entrepreneurs to continue as rural economic development champions.