Table 5.

Model comparison

HypothesisMalaysianSwedishMalaysian–SwedishBCI LLBCI ULp-valuesDecision
βΒβ differences
H1. Financial risk → Initial trust–0.082–0.1660.084–0.3700.3310.657Not supported
H2. Performance risk → Initial trust0.1090.0560.053–0.4350.3910.834Not supported
H3. Security and privacy risk → Initial trust0.0420.073–0.031–0.2460.2590.815Not supported
H4. Social risk → Initial trust0.1330.186–0.053–0.2810.3100.717Not supported
H5. Amount of public information → Initial trust0.3620.397–0.035–0.2220.2590.798Not supported
H6. Social media information-seeking → Initial trust0.2820.2480.034–0.2970.3330.855Not supported
H7. Rational decision style → Initial trust0.1260.145–0.019–0.2470.2350.881Not supported
H8. Intuitive decision style –/> Initial trust0.0760.116–0.040–0.2370.2350.735Not supported
H8. Initial trust → Behavioural intention0.7960.4790.317–0.1900.2050.002Supported

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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