Table 4. Spearman correlation analysis...

Table 4.

Spearman correlation analysis for adopters-resisters (KU)

Construct	PB1	PB2	PB3	SB1	SB2	SB3	SB4	AB1	AB2	AB3	AB4	IB1	IB2	IB4	IB6	T1	T2	T3	Intention
PB1	1.000
PB2	0.705^**	1.000
PB3	0.572^**	0.788^**	1.000
SB1	0.612^**	0.441^**	0.402^**	1.000
SB2	0.626^**	0.488^**	0.421^**	0.829^**	1.000
SB3	0.511^**	0.396^**	0.376^**	0.714^**	0.734^**	1.000
SB4	0.610^**	0.513^**	0.433^**	0.661^**	0.713^**	0.708^**	1.000
AB1	0.396^**	0.305^**	0.338^**	0.474^**	0.488^**	0.473^**	0.427^**	1.000
AB2	0.457^**	0.377^**	0.378^**	0.379^**	0.437^**	0.388^**	0.451^**	0.524^**	1.000
AB3	0.466^**	0.371^**	0.388^**	0.400^**	0.456^**	0.403^**	0.478^**	0.479^**	0.683^**	1.000
AB4	0.404^**	0.437^**	0.447^**	0.260^**	0.317^**	0.261^**	0.327^**	0.285^**	0.487^**	0.409^**	1.000
IB1	0.471^**	0.384^**	0.371^**	0.408^**	0.470^**	0.376^**	0.445^**	0.394^**	0.468^**	0.539^**	0.314^**	1.000
IB2	0.298^**	0.297^**	0.251^**	0.300^**	0.339^**	0.318^**	0.352^**	0.207^**	0.281^**	0.353^**	0.363^**	0.372^**	1.000
IB4	0.380^**	0.277^**	0.268^**	0.367^**	0.390^**	0.366^**	0.446^**	0.309^**	0.357^**	0.391^**	0.316^**	0.437^**	0.408^**	1.000
IB6	0.222^**	0.267^**	0.267^**	0.242^**	0.248^**	0.221^**	0.284^**	0.216^**	0.292^**	0.251^**	0.340^**	0.223^**	0.430^**	0.310^**	1.000
TB1	0.167^**	0.113*	0.101*	0.188^**	0.177^**	0.112*	0.151^**	0.102*	0.132^**	0.210^**	0.119*	0.105*	0.101*	0.156^**	0.214^**	1.000
TB2	0.587^**	0.449^**	0.417^**	0.611^**	0.669^**	0.634^**	0.692^**	0.411^**	0.424^**	0.475^**	0.341^**	0.448^**	0.361^**	0.467^**	0.261^**	0.212^**	1.000
TB3	0.230^**	0.271^**	0.236^**	0.206^**	0.220^**	0.253^**	0.282^**	0.147^**	0.250^**	0.239^**	0.371^**	0.187^**	0.328^**	0.234^**	0.345^**	0.137^**	0.262^**	1.000
Intention	−0.211^**	−0.255^**	−0.228^**	−0.162^**	−0.209^**	−0.172^**	−0.211^**	−0.083	−0.192^**	−0.212^**	−0.417^**	−0.184^**	−0.172^**	−0.183^**	−0.241^**	−0.039	−0.242^**	−0.237^**	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	0.705^**	1.000
PB3	0.572^**	0.788^**	1.000
SB1	0.612^**	0.441^**	0.402^**	1.000
SB2	0.626^**	0.488^**	0.421^**	0.829^**	1.000
SB3	0.511^**	0.396^**	0.376^**	0.714^**	0.734^**	1.000
SB4	0.610^**	0.513^**	0.433^**	0.661^**	0.713^**	0.708^**	1.000
AB1	0.396^**	0.305^**	0.338^**	0.474^**	0.488^**	0.473^**	0.427^**	1.000
AB2	0.457^**	0.377^**	0.378^**	0.379^**	0.437^**	0.388^**	0.451^**	0.524^**	1.000
AB3	0.466^**	0.371^**	0.388^**	0.400^**	0.456^**	0.403^**	0.478^**	0.479^**	0.683^**	1.000
AB4	0.404^**	0.437^**	0.447^**	0.260^**	0.317^**	0.261^**	0.327^**	0.285^**	0.487^**	0.409^**	1.000
IB1	0.471^**	0.384^**	0.371^**	0.408^**	0.470^**	0.376^**	0.445^**	0.394^**	0.468^**	0.539^**	0.314^**	1.000
IB2	0.298^**	0.297^**	0.251^**	0.300^**	0.339^**	0.318^**	0.352^**	0.207^**	0.281^**	0.353^**	0.363^**	0.372^**	1.000
IB4	0.380^**	0.277^**	0.268^**	0.367^**	0.390^**	0.366^**	0.446^**	0.309^**	0.357^**	0.391^**	0.316^**	0.437^**	0.408^**	1.000
IB6	0.222^**	0.267^**	0.267^**	0.242^**	0.248^**	0.221^**	0.284^**	0.216^**	0.292^**	0.251^**	0.340^**	0.223^**	0.430^**	0.310^**	1.000
TB1	0.167^**	0.113*	0.101*	0.188^**	0.177^**	0.112*	0.151^**	0.102*	0.132^**	0.210^**	0.119*	0.105*	0.101*	0.156^**	0.214^**	1.000
TB2	0.587^**	0.449^**	0.417^**	0.611^**	0.669^**	0.634^**	0.692^**	0.411^**	0.424^**	0.475^**	0.341^**	0.448^**	0.361^**	0.467^**	0.261^**	0.212^**	1.000
TB3	0.230^**	0.271^**	0.236^**	0.206^**	0.220^**	0.253^**	0.282^**	0.147^**	0.250^**	0.239^**	0.371^**	0.187^**	0.328^**	0.234^**	0.345^**	0.137^**	0.262^**	1.000
Intention	−0.211^**	−0.255^**	−0.228^**	−0.162^**	−0.209^**	−0.172^**	−0.211^**	−0.083	−0.192^**	−0.212^**	−0.417^**	−0.184^**	−0.172^**	−0.183^**	−0.241^**	−0.039	−0.242^**	−0.237^**	1.000

Notes:

Correlation is significant at the 0.01 level (two-tailed), * Correlation is significant at the 0.05 level (two-tailed); n = 388; KU = Kontantupproret; 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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