Vaishali Solanki and Gaurav Rajput 2026. Technology Adoption in Rural and Urban Gujarat: A UTAUT Study with Risk and Anxiety as Moderators. International Journal of Computer Information Systems and Industrial Management Applications. 18, 8s (Jul. 2026), 1013–1025. DOI:https://doi.org/10.70917/ijcisim-2026-3401.