Table 5. Summary results of OLR for...

Table 5.

Summary results of OLR for adopters-accepters (YBCs) and adopters-resisters (KU)

	Estimate	Std. error	Wald	Df	Sig.	95% Confidence interval	95% Confidence interval
	Estimate	Std. error	Wald	Df	Sig.	Lower bound	Upper bound
Panel A	Summary results of OLR for adopters-accepters (YBCs) (dependent variable: intention to fully adopt DPMs)
Privacy barrier	−0.254	0.110	5.343	1	0.021^*	−0.470	−0.039
Security barrier	0.058	0.089	0.425	1	0.514	−0.116	0.232
Access barrier	−0.242	0.092	6.945	1	0.008^*	−0.423	−0.062
Impersonalisation barrier	0.096	0.090	1.153	1	0.283	−0.080	0.272
Trust barrier	−0.040	0.128	0.099	1	0.753	−0.210	0.290
Panel B	Summary results of OLR for adopters-resisters (KU) (dependent variable: intention to fully adopt DPMs)
Privacy barrier	−0.005	0.110	0.002	1	0.964	−0.210	0.220
Security barrier	−0.014	0.080	0.31	1	0.860	−0.172	0.143
Access barrier	−0.064	0.083	0.589	1	0.443	−0.226	0.099
Impersonalisation barrier	−0.216	0.086	6.296	1	0.012^*	−0.384	−0.047
Trust barrier	−0.200	0.119	2.816	1	0.93	−0.434	0.034

	Estimate	Std. error	Wald	Df	Sig.	95% Confidenceinterval	95% Confidenceinterval
	Estimate	Std. error	Wald	Df	Sig.	Lower bound	Upper bound
Panel A	Summary results of OLR for adopters-accepters (YBCs)(dependent variable: intention to fully adopt DPMs)
Privacy barrier	−0.254	0.110	5.343	1	0.021^*	−0.470	−0.039
Security barrier	0.058	0.089	0.425	1	0.514	−0.116	0.232
Access barrier	−0.242	0.092	6.945	1	0.008^*	−0.423	−0.062
Impersonalisation barrier	0.096	0.090	1.153	1	0.283	−0.080	0.272
Trust barrier	−0.040	0.128	0.099	1	0.753	−0.210	0.290
Panel B	Summary results of OLR for adopters-resisters (KU)(dependent variable: intention to fully adopt DPMs)
Privacy barrier	−0.005	0.110	0.002	1	0.964	−0.210	0.220
Security barrier	−0.014	0.080	0.31	1	0.860	−0.172	0.143
Access barrier	−0.064	0.083	0.589	1	0.443	−0.226	0.099
Impersonalisation barrier	−0.216	0.086	6.296	1	0.012^*	−0.384	−0.047
Trust barrier	−0.200	0.119	2.816	1	0.93	−0.434	0.034

Notes:

Panel A: Link function: Logit.; Model fitting information p = 0.012; Goodness of fit p = 0.703; Pseudo R²: Cox and Snell 0.258; Nagelkerke 0.281; Test of parallel lines p = 0.145; YBCs = Young bank customers;

p < 0.01;

p < 0.05.

Panel B: Link function: Logit.; Model fitting information p = 0.000; Goodness of fit p = 1.000; Pseudo R²: Cox and Snell 0.177; Nagelkerke 0.295; Test of parallel lines p = 1.000; KU = Kontantupproret; **p < 0.01, *p < 0.05

[ViewLarge]