Table 4

Effect on endogenous constructs

Endogenous constructsR2Q2
Perceived Usefulness (PU)0.7410.552
Attitude0.6930.419
Behavioural Intention (BI)0.3240.236
Hypothesis and relationDirect effectt-value (bootstrap)Percentile 95% CISupport
H1Attitude → Behavioral Intention0.269*1.984[0.067;0.514]Yes
H2Perceived Usefulness → Behavioral Intention0.338*2.099[0.043;0.572]Yes
H3Perceived Ease of Use → Attitude0.013ns0.123[−0.135;0.203]No
H4Perceived Usefulness → Attitude0.288*2.192[0.77;0.509]Yes
H5Perceived Ease of Use → Perceived Usefulness0.414***4.195[0.257;0.580]Yes
H6Reduced Cost → Attitude0.170ns1.319[−0.064;0.358]No
H7Reduced Cost → Perceived Usefulness0.135ns1.251[−0.039;0.317]No
H8Efficiency and Security → Attitude0.432***3.515[0.228;0.636]Yes
H9Efficiency and Security → Perceived Usefulness0.429***4.959[0.270;0.552]Yes

Note(s): *p < 0.05; ***p < 0.001; ns: not significant

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