Table 10 Analysis results of the...

Table 10

Analysis results of the moderating effect of self-efficacy

Variables and relevant paths	E-commerce financial platform (N = 356)			Online banking financial platform (N = 337)
Variables and relevant paths	Step 1	Step 2	Step 3	Step 1	Step 2	Step 3
Control variable
Gender	0.095	0.095	0.093	0.033	0.033	0.032
Age	0.068	0.069	0.069	−0.012	−0.010	−0.010
Educational background	0.040	0.040	0.040	−0.031	−0.030	−0.030
Income	0.026	0.028	0.028	0.024	0.026	0.026
IO
RN→IO	0.134^**	0.130^**	0.137^**	0.163^***	0.166^***	0.165^***
PC→IO	0.037	0.036	0.032	−0.003	−0.012	0.047
SE→IO		−0.072	−0.105		−0.094	−0.116
SE*RN→IO			0.036			0.175
SE*PC→IO			0.039			0.069
Discounting own information (DOI)
RN→DOI	0.01	0.017	0.013	0.044	0.051	0.053
PC→DOI	−0.217^***	−0.214^***	−0.221^***	−0.196^***	−0.199^***	−0.198^***
SE→DOI		−0.098	−0.103		−0.085	−0.079
SE*RN→DOI			0.079			0.111
SE*PC→DOI			0.046			0.012
PV
RN→PV	0.281^***	0.276^***	0.255^***	0.316^***	0.312^***	0.293^***
PC→PV	0.411^**	0.403^***	0.414^***	0.232^***	0.233^***	0.241^***
SE→PV		0.102	0.075		0.092	0.087
SE*RN→PV			−0.103^**			−0.165^**
SE*PC→PV			0.172^**			0.136^*
R²(%)	0.491	0.503	0.534	0.472	0.493	0.509
△R²		0.012	0.043		0.021	0.037

Variables and relevant paths	E-commerce financial platform (N = 356)			Online banking financial platform (N = 337)
Variables and relevant paths	Step 1	Step 2	Step 3	Step 1	Step 2	Step 3
Control variable
Gender	0.095	0.095	0.093	0.033	0.033	0.032
Age	0.068	0.069	0.069	−0.012	−0.010	−0.010
Educational background	0.040	0.040	0.040	−0.031	−0.030	−0.030
Income	0.026	0.028	0.028	0.024	0.026	0.026
IO
RN→IO	0.134^**	0.130^**	0.137^**	0.163^***	0.166^***	0.165^***
PC→IO	0.037	0.036	0.032	−0.003	−0.012	0.047
SE→IO		−0.072	−0.105		−0.094	−0.116
SE*RN→IO			0.036			0.175
SE*PC→IO			0.039			0.069
Discounting own information (DOI)
RN→DOI	0.01	0.017	0.013	0.044	0.051	0.053
PC→DOI	−0.217^***	−0.214^***	−0.221^***	−0.196^***	−0.199^***	−0.198^***
SE→DOI		−0.098	−0.103		−0.085	−0.079
SE*RN→DOI			0.079			0.111
SE*PC→DOI			0.046			0.012
PV
RN→PV	0.281^***	0.276^***	0.255^***	0.316^***	0.312^***	0.293^***
PC→PV	0.411^**	0.403^***	0.414^***	0.232^***	0.233^***	0.241^***
SE→PV		0.102	0.075		0.092	0.087
SE*RN→PV			−0.103^**			−0.165^**
SE*PC→PV			0.172^**			0.136^*
R²(%)	0.491	0.503	0.534	0.472	0.493	0.509
△R²		0.012	0.043		0.021	0.037

Note(s): * represents p < 0.05; ** represents p < 0.01; and *** represents p < 0.001

Source(s): Table by the authors