Direct effects
| SEM results | β | (t) |
|---|---|---|
| H1: CLOF → Perceived risk of buying online | −0.18* | −6.18 |
| H2: Perceived financial risk of buying online → Online buying intensity | −0.38** | −2.57 |
| H3: CLOF → Trust in online sellers | 0.36** | 9.66 |
| H4: Trust in online sellers → Online buying intensity | 0.43** | 3.93 |
| H5: CLOF → Online buying intensity | 0.32** | 4.03 |
| SEM results | β | ( |
|---|---|---|
| −0.18* | −6.18 | |
| −0.38** | −2.57 | |
| 0.36** | 9.66 | |
| 0.43** | 3.93 | |
| 0.32** | 4.03 |
Note(s): *p < 0.05; **p < 0.01
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