Results of multi-group analysis of sociodemographic variables
| Path | β | β | t-statistic | Difference |
|---|---|---|---|---|
| Gender | ||||
| Male (n = 332) | Female (n = 242) | |||
| PT → CI | 0.107** | 0.112** | 0.034ns | No |
| ST → CI | 0.738*** | 0.681*** | 0.517ns | No |
| SI → CI | 0.105** | 0.190*** | 1.224ns | No |
| Age | ||||
| <25 years (n = 310) | ≥25 years (n = 264) | |||
| PT → CI | 0.027ns | 0.200*** | 3.090** | Yes |
| ST → CI | 0.752*** | 0.662*** | 0.867ns | No |
| SI → CI | 0.152*** | 0.142*** | 0.294ns | No |
| Level of education | ||||
| Bachelor degree or associate degree (n = 215) | Master degree and above (n = 359) | |||
| PT → CI | 0.131* | 0.103** | 0.694ns | No |
| ST → CI | 0.651*** | 0.743*** | 2.037* | Yes |
| SI → CI | 0.169*** | 0.126*** | 1.129ns | No |
| Monthly household income | ||||
| ≤Rs. 50,000 (n = 259) | >Rs. 50,000 (n = 315) | |||
| PT → CI | 0.118** | 0.093* | 0.731ns | No |
| ST → CI | 0.692*** | 0.716*** | 0.455ns | No |
| SI → CI | 0.174*** | 0.119** | 1.672ns | No |
| Living area | ||||
| Urban (n = 363) | Semiurban and rural (n = 211) | |||
| PT → CI | 0.097** | 0.116* | 0.397ns | No |
| ST → CI | 0.724*** | 0.701*** | 0.860ns | No |
| SI → CI | 0.147*** | 0.135** | 0.368ns | No |
| Weekly use of mobile wallets | ||||
| Up to thrice (n = 136) | More than thrice (n = 438) | |||
| PT → CI | 0.181** | 0.076* | 1.637ns | No |
| ST → CI | 0.674*** | 0.731*** | 0.323ns | No |
| SI → CI | 0.121* | 0.155*** | 0.446ns | No |
| Path | Difference | |||
|---|---|---|---|---|
| Gender | ||||
| 0.107** | 0.112** | No | ||
| 0.738*** | 0.681*** | No | ||
| 0.105** | 0.190*** | No | ||
| Age | ||||
| ≥ | ||||
| 0.027ns | 0.200*** | Yes | ||
| 0.752*** | 0.662*** | No | ||
| 0.152*** | 0.142*** | No | ||
| Level of education | ||||
| 0.131* | 0.103** | No | ||
| 0.651*** | 0.743*** | Yes | ||
| 0.169*** | 0.126*** | No | ||
| Monthly household income | ||||
| 0.118** | 0.093* | No | ||
| 0.692*** | 0.716*** | No | ||
| 0.174*** | 0.119** | No | ||
| Living area | ||||
| 0.097** | 0.116* | No | ||
| 0.724*** | 0.701*** | No | ||
| 0.147*** | 0.135** | No | ||
| Weekly use of mobile wallets | ||||
| 0.181** | 0.076* | No | ||
| 0.674*** | 0.731*** | No | ||
| 0.121* | 0.155*** | No | ||
*p < 0.05; **p < 0.01; ***p < 0.001; ns = not sig
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