Enrique Bigné Carla Ruiz Silvia Sanz Key Drivers of Mobile Commerce Adoption. An Exploratory Study of Spanish Mobile Users. 48-60 2007 2 JTAER 2 http://www.jtaer.com/aug2007/bigne_ruiz_sanz_p4.pdf db/journals/jtaer/jtaer2.html#BigneRS07