Table 3 Results of the path analysis:...

Table 3

Results of the path analysis: direct effect

	Path coefficient	Critical ratio	Sig	Conclusion
BI → CBDC UB	0.248	2.816	0.005	Significant
BNV → CBDC UB	0.061	1.243	0.214	Not Significant
CNF → CBDC UB	0.002	0.037	0.971	Not Significant
EE → CBDC UB	0.138	1.725	0.085	Not Significant
FC → CBDC UB	0.14	1.317	0.188	Not Significant
PE → CBDC UB	0.175	2.697	0.007	Significant
SCR → BI	0.02	0.625	0.532	Not Significant
SI → CBDC UB	0.083	0.797	0.425	Not Significant

	Path coefficient	Critical ratio	Sig	Conclusion
BI → CBDC UB	0.248	2.816	0.005	Significant
BNV → CBDC UB	0.061	1.243	0.214	Not Significant
CNF → CBDC UB	0.002	0.037	0.971	Not Significant
EE → CBDC UB	0.138	1.725	0.085	Not Significant
FC → CBDC UB	0.14	1.317	0.188	Not Significant
PE → CBDC UB	0.175	2.697	0.007	Significant
SCR → BI	0.02	0.625	0.532	Not Significant
SI → CBDC UB	0.083	0.797	0.425	Not Significant

Note(s): Behavioural intention = BI; Benevolence = BNV; CBDC Use Behaviour = CBDC UB; Conformity = CNF; Effort Expectancy = EE; Facilitating Conditions = FC; Performance Expectancy = PE; Security = SCR; Social Influence = SI

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