Owner/Manager Characteristics: Owners’ lack of awareness of the technology was not applicable to any of the company.
However, perceived benefits of the technology are applicable to both companies. The owner of FAAW did not respond to
this factor - distrust on the use of credit cards since he was not having website and therefore, he was not into e-commerce
but the owner of KTG agreed that it was applicable because the company is hosted on a distributor’s website
(www.novica.com).