Table 4 The results of structural model...

Table 4

The results of structural model assessment

Paths	Standardized path coefficient	95% confidence intervals		Hypothesis
Paths	Standardized path coefficient	Lower bound	Upper bound	Hypothesis
Total effect model
Perceived autonomy support → Intentional behaviour	0.444^***	0.352	0.536	H1
Financial literacy → Intentional behaviour	0.039	−0.027	0.105
Financial education → Intentional behaviour	0.141^**	0.070	0.211
Gender → Intentional behaviour	−0.029	−0.093	0.035
Mediation effect model – Direct relationships
Perceived autonomy support → Intrinsic motivation	0.724^***	0.674	0.774	H2
Perceived autonomy support → Identified regulation	0.697^***	0.650	0.744	H3
Perceived autonomy support → External regulation	0.685^***	0.636	0.734	H4
Perceived autonomy support → Amotivation	−0.673^***	−0.727	−0.619	H5
Intrinsic motivation → Attitudes toward personal finance	0.214^**	0.084	0.344	H6
Identified regulation → Attitudes toward personal finance	0.136^*	0.032	0.239	H7
External regulation → Attitudes toward personal finance	0.069	−0.060	0.197	H8
Amotivation → Attitudes toward personal finance	0.141^†	−0.037	0.320	H9
Attitudes toward personal finance → Intentional behaviour	0.170^***	0.079	0.261	H10
Perceived autonomy support → Attitudes toward personal finance	0.171	−0.025	0.367
Perceived autonomy support → Intentional behaviour	0.136^†	−0.001	0.273
Intrinsic motivation → Intentional behaviour	0.103^†	−0.027	0.233
Identified regulation → Intentional behaviour	0.229^***	0.115	0.344
External regulation → Intentional behaviour	−0.057	−0.214	0.100
Amotivation → Intentional behaviour	−0.135	−0.358	0.087
Financial literacy → Intentional behaviour	0.047	−0.019	0.113
Financial education → Intentional behaviour	0.014	−0.088	0.116
Gender → Intentional behaviour	−0.019	−0.081	0.044
Mediation effect model – Indirect relationships
Perceived autonomy support → Intrinsic motivation → Attitudes toward personal finance	0.155^**	0.058	0.252
Perceived autonomy support → Identified regulation → Attitudes toward personal finance	0.095^*	0.025	0.165
Perceived autonomy support t → External regulation → Attitudes toward personal finance	0.047	−0.041	0.135
Perceived autonomy support → Amotivation → Attitudes toward personal finance	−0.095	−0.217	0.027
Perceived autonomy support → Intrinsic motivation → Intentional behaviour	0.074	−0.021	0.169
Perceived autonomy support → Identified regulation → Intentional behaviour	0.160^***	0.082	0.238
Perceived autonomy support → External regulation → Intentional behaviour	−0.039	−0.149	0.071
Perceived autonomy support → Amotivation → Intentional behaviour	0.091	−0.057	0.239
Perceived autonomy support → Attitudes toward personal finance → Intentional behaviour	0.029	−0.020	0.078
Intrinsic motivation → Attitudes toward personal finance → Intentional behaviour	0.036^*	0.009	0.064
Identified regulation → Attitudes toward personal finance → Intentional behaviour	0.023^†	0.000	0.046
External regulation → Attitudes toward personal finance → Intentional behaviour	0.012	−0.011	0.034
Amotivation → Attitudes toward personal finance → Intentional behaviour	0.024	−0.015	0.063
Perceived autonomy support → Intrinsic motivation → Attitudes toward personal finance → Intentional behaviour	0.026^*	0.006	0.047	H11
Perceived autonomy support → Identified regulation → Attitudes toward personal finance → Intentional behaviour	0.016^†	0.000	0.032	H12
Perceived autonomy support → External regulation → Attitudes toward personal finance → Intentional behaviour Intentional behaviour	0.008	−0.008	0.024	H13
Perceived autonomy support → Amotivation → Attitudes toward personal finance → Intentional behaviour	−0.016	−0.043	0.011	H14

Paths	Standardized path coefficient	95% confidence intervals		Hypothesis
Paths	Standardized path coefficient	Lower bound	Upper bound	Hypothesis
Total effect model
Perceived autonomy support → Intentional behaviour	0.444^***	0.352	0.536	H1
Financial literacy → Intentional behaviour	0.039	−0.027	0.105
Financial education → Intentional behaviour	0.141^**	0.070	0.211
Gender → Intentional behaviour	−0.029	−0.093	0.035
Mediation effect model – Direct relationships
Perceived autonomy support → Intrinsic motivation	0.724^***	0.674	0.774	H2
Perceived autonomy support → Identified regulation	0.697^***	0.650	0.744	H3
Perceived autonomy support → External regulation	0.685^***	0.636	0.734	H4
Perceived autonomy support → Amotivation	−0.673^***	−0.727	−0.619	H5
Intrinsic motivation → Attitudes toward personal finance	0.214^**	0.084	0.344	H6
Identified regulation → Attitudes toward personal finance	0.136^*	0.032	0.239	H7
External regulation → Attitudes toward personal finance	0.069	−0.060	0.197	H8
Amotivation → Attitudes toward personal finance	0.141^†	−0.037	0.320	H9
Attitudes toward personal finance → Intentional behaviour	0.170^***	0.079	0.261	H10
Perceived autonomy support → Attitudes toward personal finance	0.171	−0.025	0.367
Perceived autonomy support → Intentional behaviour	0.136^†	−0.001	0.273
Intrinsic motivation → Intentional behaviour	0.103^†	−0.027	0.233
Identified regulation → Intentional behaviour	0.229^***	0.115	0.344
External regulation → Intentional behaviour	−0.057	−0.214	0.100
Amotivation → Intentional behaviour	−0.135	−0.358	0.087
Financial literacy → Intentional behaviour	0.047	−0.019	0.113
Financial education → Intentional behaviour	0.014	−0.088	0.116
Gender → Intentional behaviour	−0.019	−0.081	0.044
Mediation effect model – Indirect relationships
Perceived autonomy support → Intrinsic motivation → Attitudes toward personal finance	0.155^**	0.058	0.252
Perceived autonomy support → Identified regulation → Attitudes toward personal finance	0.095^*	0.025	0.165
Perceived autonomy support t → External regulation → Attitudes toward personal finance	0.047	−0.041	0.135
Perceived autonomy support → Amotivation → Attitudes toward personal finance	−0.095	−0.217	0.027
Perceived autonomy support → Intrinsic motivation → Intentional behaviour	0.074	−0.021	0.169
Perceived autonomy support → Identified regulation → Intentional behaviour	0.160^***	0.082	0.238
Perceived autonomy support → External regulation → Intentional behaviour	−0.039	−0.149	0.071
Perceived autonomy support → Amotivation → Intentional behaviour	0.091	−0.057	0.239
Perceived autonomy support → Attitudes toward personal finance → Intentional behaviour	0.029	−0.020	0.078
Intrinsic motivation → Attitudes toward personal finance → Intentional behaviour	0.036^*	0.009	0.064
Identified regulation → Attitudes toward personal finance → Intentional behaviour	0.023^†	0.000	0.046
External regulation → Attitudes toward personal finance → Intentional behaviour	0.012	−0.011	0.034
Amotivation → Attitudes toward personal finance → Intentional behaviour	0.024	−0.015	0.063
Perceived autonomy support → Intrinsic motivation → Attitudes toward personal finance → Intentional behaviour	0.026^*	0.006	0.047	H11
Perceived autonomy support → Identified regulation → Attitudes toward personal finance → Intentional behaviour	0.016^†	0.000	0.032	H12
Perceived autonomy support → External regulation → Attitudes toward personal finance → Intentional behaviour Intentional behaviour	0.008	−0.008	0.024	H13
Perceived autonomy support → Amotivation → Attitudes toward personal finance → Intentional behaviour	−0.016	−0.043	0.011	H14

Note(s): ^†p < 0.1, ^*p < 0.05, ^**p < 0.01, ^***p < 0.001, one-tailed test, Gender: Male = 0, Female = 1

Source(s): Authors’ own work

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