Table 4 Multiple regression outcomes (...

Table 4

Multiple regression outcomes (H1-H9)

	Model 1	Model 2
Control variables
Gender	0.109	0.029
Age	−0.075	−0.037
Level of education	0.111	0.046
Profession	−0.081	−0.057
Social status	−0.067	0.087
Culture	0.101	0.034
Independent variables
Security factor		0.112**
Infrastructure factor		0.084*
Technological knowledge factor		0.082*
Service factor		0.093**
Price factor		0.098**
Time-saving factor		0.200**
Payment factor		0.086*
Administrative factor		0.123**
Psychological factor		0.111**
Adjusted R²	0.030	0.578
F-value	1.768	23.634**
Δ Adjusted R² (from Models 1 to 2)		0.548

	Model 1	Model 2
Control variables
Gender	0.109	0.029
Age	−0.075	−0.037
Level of education	0.111	0.046
Profession	−0.081	−0.057
Social status	−0.067	0.087
Culture	0.101	0.034
Independent variables
Security factor		0.112**
Infrastructure factor		0.084*
Technological knowledge factor		0.082*
Service factor		0.093**
Price factor		0.098**
Time-saving factor		0.200**
Payment factor		0.086*
Administrative factor		0.123**
Psychological factor		0.111**
Adjusted R²	0.030	0.578
F-value	1.768	23.634**
Δ Adjusted R² (from Models 1 to 2)		0.548

Note(s): *p < 0.05; **p < 0.01

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