Table 6.

Hypothesis test results

HypothesisTest results
Adopters-accepters
(YBCs)
Adopters-
resisters (KU)
H1 (a negative relationship between the privacy barrier and the intention to fully adopt DPMs according to both groups)SupportedRejected
H2 (a negative relationship between the security barrier and the intention to fully adopt DPMs according to both groups)RejectedRejected
H3 (a negative relationship between the access barrier and the intention to fully adopt DPMs according to both groups)SupportedRejected
H4 (no relationship for the YBC group and a negative relationship for the KU group between the impersonalisation barrier and the intention to fully adopt DPMs)SupportedSupported
H5 (no relationship for the YBC group and a negative relationship for the KU group between the trust barrier and the intention to fully adopt DPMs)SupportedRejected

Notes:

YBCs = Young bank customers; KU = Kontantupproret

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