Eduardo H. de Borba Santa Catarina State University (UDESC) & Universitat Oberta de Catalunya (UOC)   Rodovia Virgilio Varzea, 244 apto 203A Florianopolis, SC 88032000 Brasil   eduardo.borba14@gmail.com         Primary Research Focus: User behavior, mobile commerce, scale development, panel data   JEL Areas: M0 : Business Administration and Business Economics; Marketing; Accounting: General M3 : Marketing and Advertising: General