Table 3. Spearman correlation analysis...

Table 3.

Spearman correlation analysis for adopters-accepters (YBCs)

Construct	PB1	PB2	PB3	SB1	SB2	SB3	SB4	AB1	AB2	AB3	AB4	IB1	IB2	IB4	IB6	T1	T2	T3	Intention
PB1	1.000
PB2	0.564^**	1.000
PB3	0.365^**	0.652^**	1.000
SB1	0.638^**	0.475^**	0.274^**	1.000
SB2	0.568^**	0.409^**	0.299^**	0.716^**	1.000
SB3	0.521^**	0.405^**	0.259^**	0.571^**	0.615^**	1.000
SB4	0.521^**	0.460^**	0.265^**	0.638^**	0.654^**	0.728^**	1.000
AB1	0.296^**	0.105	0.157	0.371^**	0.435^**	0.492^**	0.387^**	1.000
AB2	0.289^**	0.359^**	0.251^**	0.416^**	0.410^**	0.395^**	0.310^**	0.448^**	1.000
AB3	0.303^**	0.385^**	0.337^**	0.253^**	0.286^**	0.309^**	0.241*	0.406^**	0.686^**	1.000
AB4	0.207*	0.271^**	0.262^**	0.287^**	0.295^**	0.253^**	0.402^**	0.229*	0.502^**	0.488^**	1.000
IB1	0.339^**	0.318^**	0.318^**	0.199*	0.256^**	0.262^**	0.213*	0.393^**	0.420^**	0.478^**	0.253^**	1.000
IB2	0.190	0.141	0.275^**	0.092	0.036	0.036	0.143	−0.146	0.061	0.040	0.198*	0.092	1.000
IB4	0.312^**	0.295^**	0.358^**	0.269^**	0.294^**	0.319^**	0.312^**	0.256^**	0.377^**	0.323^**	0.382^**	0.385^**	0.288^**	1.000
IB6	0.096	0.149	0.223*	0.013	0.116	0.299^**	0.308^**	0.165	0.232*	0.244*	0.263^**	0.264^**	0.262^**	0.295^**	1.000
TB1	−0.035	0.204*	0.196*	0.111	0.101	0.150	0.115	0.208*	0.316^**	0.141	0.078	0.179	−0.099	0.066	0.170	1.000
TB2	0.497^**	0.449^**	0.283^**	0.569^**	0.549^**	0.567^**	0.605^**	0.356^**	0.473^**	0.392^**	0.537^**	0.319^**	0.084	0.397^**	0.215*	0.238*	1.000
TB3	0.162	0.128	0.101	0.217*	0.300^**	0.335^**	0.333^**	0.202*	0.262^**	0.139	0.193*	0.164	0.179	0.099	0.450^**	0.179	0.257^**	1.000
Intention	−0.250^**	−0.193*	−0.240*	−0.222*	−0.191	−0.170	−0.126	−0.052	−0.170	−0.175	−0.518^**	−0.014	−0.018	−0.310^**	−0.067	−0.015	−0.299^**	0.052	1.000

Construct	PB1	PB2	PB3	SB1	SB2	SB3	SB4	AB1	AB2	AB3	AB4	IB1	IB2	IB4	IB6	T1	T2	T3	Intention
PB1	1.000
PB2	0.564^**	1.000
PB3	0.365^**	0.652^**	1.000
SB1	0.638^**	0.475^**	0.274^**	1.000
SB2	0.568^**	0.409^**	0.299^**	0.716^**	1.000
SB3	0.521^**	0.405^**	0.259^**	0.571^**	0.615^**	1.000
SB4	0.521^**	0.460^**	0.265^**	0.638^**	0.654^**	0.728^**	1.000
AB1	0.296^**	0.105	0.157	0.371^**	0.435^**	0.492^**	0.387^**	1.000
AB2	0.289^**	0.359^**	0.251^**	0.416^**	0.410^**	0.395^**	0.310^**	0.448^**	1.000
AB3	0.303^**	0.385^**	0.337^**	0.253^**	0.286^**	0.309^**	0.241*	0.406^**	0.686^**	1.000
AB4	0.207*	0.271^**	0.262^**	0.287^**	0.295^**	0.253^**	0.402^**	0.229*	0.502^**	0.488^**	1.000
IB1	0.339^**	0.318^**	0.318^**	0.199*	0.256^**	0.262^**	0.213*	0.393^**	0.420^**	0.478^**	0.253^**	1.000
IB2	0.190	0.141	0.275^**	0.092	0.036	0.036	0.143	−0.146	0.061	0.040	0.198*	0.092	1.000
IB4	0.312^**	0.295^**	0.358^**	0.269^**	0.294^**	0.319^**	0.312^**	0.256^**	0.377^**	0.323^**	0.382^**	0.385^**	0.288^**	1.000
IB6	0.096	0.149	0.223*	0.013	0.116	0.299^**	0.308^**	0.165	0.232*	0.244*	0.263^**	0.264^**	0.262^**	0.295^**	1.000
TB1	−0.035	0.204*	0.196*	0.111	0.101	0.150	0.115	0.208*	0.316^**	0.141	0.078	0.179	−0.099	0.066	0.170	1.000
TB2	0.497^**	0.449^**	0.283^**	0.569^**	0.549^**	0.567^**	0.605^**	0.356^**	0.473^**	0.392^**	0.537^**	0.319^**	0.084	0.397^**	0.215*	0.238*	1.000
TB3	0.162	0.128	0.101	0.217*	0.300^**	0.335^**	0.333^**	0.202*	0.262^**	0.139	0.193*	0.164	0.179	0.099	0.450^**	0.179	0.257^**	1.000
Intention	−0.250^**	−0.193*	−0.240*	−0.222*	−0.191	−0.170	−0.126	−0.052	−0.170	−0.175	−0.518^**	−0.014	−0.018	−0.310^**	−0.067	−0.015	−0.299^**	0.052	1.000

Notes:

Correlation is significant at the 0.01 level (two-tailed), * Correlation is significant at the 0.05 level (two-tailed); n = 105; YBCs = Young bank customers; PB1–3 = Privacy barriers; SB1–4 = Security barriers; AB1–4 = Access barriers; IB1, 2, 4 and 6 = Impersonalisation barriers; TB1–3 = Trust barriers; Intention = Intention to fully adopt DPMs

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