A Theoretical Exploration of Digital Technology Adoption Among Street Vendors: Integrating the TOE and TAM Frameworks

Abstract

This paper explores the integration of the Technology-Organization-Environment (TOE) framework and the Technology Acceptance Model (TAM) to develop a comprehensive theoretical model for understanding digital technology adoption among street vendors in the informal economy. The TOE framework highlights the influence of technological, organizational, and environmental factors, while TAM focuses on perceived usefulness and ease of use as key determinants of technology adoption. By combining these models, the study offers a more holistic perspective on the multifaceted challenges and opportunities that street vendors face when adopting digital technologies. This integrated model underscores the importance of factors such as digital literacy, infrastructure access, cultural attitudes, and supportive government policies in shaping adoption decisions. The findings of this theoretical review provide a foundation for future empirical research and inform policy interventions aimed at promoting digital inclusion in the informal economy.