This research examines the adoption of IoT smart home technologies in Jordan, using the Technologies-Organization-Environment (TOE) framework and Social Exchange Theory (SET). The study investigates the influence of security and privacy considerations on the behavioral intention to adopt IoT smart home solutions. It also explores the role of trust (TR) in service providers as a mediator and the impact of information technology (IT) knowledge as a moderator between technological elements and behavioral intention. Data from 315 responses of executives in both listed and non-listed businesses were analyzed using smart partial least squares (PLS). The results highlight the importance of prioritizing technological factors and building TR in service providers to ensure effective implementation of IoT smart home technology in Jordan. The study confirms that technical contextual factors (TC) have a favorable impact on behavioral intention (BI) to use IoT smart homes, with security and privacy (SE) and availability (AVA) being more significant than service quality (PV). TR is found to mediate the relationship between TC and BI, while IT knowledge (ITK) moderates this relationship. The findings suggest that decision-makers should prioritize enhancing PV, ensuring SE and AVA, and building TR to improve the adoption of IoT smart homes in Jordan.This research examines the adoption of IoT smart home technologies in Jordan, using the Technologies-Organization-Environment (TOE) framework and Social Exchange Theory (SET). The study investigates the influence of security and privacy considerations on the behavioral intention to adopt IoT smart home solutions. It also explores the role of trust (TR) in service providers as a mediator and the impact of information technology (IT) knowledge as a moderator between technological elements and behavioral intention. Data from 315 responses of executives in both listed and non-listed businesses were analyzed using smart partial least squares (PLS). The results highlight the importance of prioritizing technological factors and building TR in service providers to ensure effective implementation of IoT smart home technology in Jordan. The study confirms that technical contextual factors (TC) have a favorable impact on behavioral intention (BI) to use IoT smart homes, with security and privacy (SE) and availability (AVA) being more significant than service quality (PV). TR is found to mediate the relationship between TC and BI, while IT knowledge (ITK) moderates this relationship. The findings suggest that decision-makers should prioritize enhancing PV, ensuring SE and AVA, and building TR to improve the adoption of IoT smart homes in Jordan.