Model comparison
| Hypothesis | Malaysian | Swedish | Malaysian–Swedish | BCI LL | BCI UL | p-values | Decision |
|---|---|---|---|---|---|---|---|
| β | Β | β differences | |||||
| H1. Financial risk → Initial trust | –0.082 | –0.166 | 0.084 | –0.370 | 0.331 | 0.657 | Not supported |
| H2. Performance risk → Initial trust | 0.109 | 0.056 | 0.053 | –0.435 | 0.391 | 0.834 | Not supported |
| H3. Security and privacy risk → Initial trust | 0.042 | 0.073 | –0.031 | –0.246 | 0.259 | 0.815 | Not supported |
| H4. Social risk → Initial trust | 0.133 | 0.186 | –0.053 | –0.281 | 0.310 | 0.717 | Not supported |
| H5. Amount of public information → Initial trust | 0.362 | 0.397 | –0.035 | –0.222 | 0.259 | 0.798 | Not supported |
| H6. Social media information-seeking → Initial trust | 0.282 | 0.248 | 0.034 | –0.297 | 0.333 | 0.855 | Not supported |
| H7. Rational decision style → Initial trust | 0.126 | 0.145 | –0.019 | –0.247 | 0.235 | 0.881 | Not supported |
| H8. Intuitive decision style –/> Initial trust | 0.076 | 0.116 | –0.040 | –0.237 | 0.235 | 0.735 | Not supported |
| H8. Initial trust → Behavioural intention | 0.796 | 0.479 | 0.317 | –0.190 | 0.205 | 0.002 | Supported |
| Hypothesis | Malaysian | Swedish | Malaysian–Swedish | BCI LL | BCI UL | Decision | |
|---|---|---|---|---|---|---|---|
| –0.082 | –0.166 | 0.084 | –0.370 | 0.331 | 0.657 | Not supported | |
| 0.109 | 0.056 | 0.053 | –0.435 | 0.391 | 0.834 | Not supported | |
| 0.042 | 0.073 | –0.031 | –0.246 | 0.259 | 0.815 | Not supported | |
| 0.133 | 0.186 | –0.053 | –0.281 | 0.310 | 0.717 | Not supported | |
| 0.362 | 0.397 | –0.035 | –0.222 | 0.259 | 0.798 | Not supported | |
| 0.282 | 0.248 | 0.034 | –0.297 | 0.333 | 0.855 | Not supported | |
| 0.126 | 0.145 | –0.019 | –0.247 | 0.235 | 0.881 | Not supported | |
| 0.076 | 0.116 | –0.040 | –0.237 | 0.235 | 0.735 | Not supported | |
| 0.796 | 0.479 | 0.317 | –0.190 | 0.205 | 0.002 | Supported |
Notes:
→ = relationship; –/> = no relationship; β = the path coefficient; BCI LL = Beta coefficient lower level; and BCI UL = Beta coefficient upper level
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