Hypothesis testing
| Hypothesis | Path | Path coefficient | Standard error | t statistics |
|---|---|---|---|---|
| H1 | PE-BI to use neobanking services | 0.086 | 0.031 | 2.715 |
| H2 | EE-BI to use neobanking services | 0.213 | 0.043 | 5.004 |
| H3 | SIs-BI to use neobanking services | 0.171 | 0.052 | 3.341 |
| H4 | HM-BI to use neobanking services | 0.205 | 0.033 | 6.155 |
| H5 | PV-BI to use neobanking services | 0.077 | 0.028 | 2.768 |
| H6a | HB-BI to use neo-banking services | −0.087 | 0.027 | 2.768 |
| H6b | HB-BI to adopt neobanking services | −0.165 | 0.027 | 6.096 |
| H7a | FC-BI to use neobanking services | 0.223 | 0.051 | 4.442 |
| H7b | FC-BI to adopt neobanking services | 0.221 | 0.048 | 4.682 |
| H8a | PI-BI to use neobanking services | 0.100 | 0.029 | 3.399 |
| H8b | PI-BI to adopt neobanking services | 0.138 | 0.031 | 4.444 |
| H9a | BIU-BI to adopt neobanking services | 0.209 | 0.044 | 9.250 |
| H9b | BIU-BI to recommend neobanking | 0.407 | 0.048 | 4.331 |
| H10 | PFR-BI to adopt neobanking services | 0.105 | 0.031 | 3.431 |
| H11 | PYR-BI to adopt neobanking services | 0.112 | 0.030 | 3.774 |
| H12 | PPR-BI to adopt neobanking services | 0.181 | 0.036 | 5.038 |
| H13 | PSYR-BI to adopt neobanking services | 0.064 | 0.029 | 2.125 |
| H14 | PTR-BI to adopt neobanking services | 0.084 | 0.036 | 2.344 |
| H15 | BIAs-BI to recommend neobank services | 0.383 | 0.047 | 8.179 |
| Hypothesis | Path | Path coefficient | Standard error | |
|---|---|---|---|---|
| PE-BI to use neobanking services | 0.086 | 0.031 | 2.715 | |
| EE-BI to use neobanking services | 0.213 | 0.043 | 5.004 | |
| SIs-BI to use neobanking services | 0.171 | 0.052 | 3.341 | |
| HM-BI to use neobanking services | 0.205 | 0.033 | 6.155 | |
| PV-BI to use neobanking services | 0.077 | 0.028 | 2.768 | |
| HB-BI to use neo-banking services | −0.087 | 0.027 | 2.768 | |
| HB-BI to adopt neobanking services | −0.165 | 0.027 | 6.096 | |
| FC-BI to use neobanking services | 0.223 | 0.051 | 4.442 | |
| FC-BI to adopt neobanking services | 0.221 | 0.048 | 4.682 | |
| PI-BI to use neobanking services | 0.100 | 0.029 | 3.399 | |
| PI-BI to adopt neobanking services | 0.138 | 0.031 | 4.444 | |
| BIU-BI to adopt neobanking services | 0.209 | 0.044 | 9.250 | |
| BIU-BI to recommend neobanking | 0.407 | 0.048 | 4.331 | |
| PFR-BI to adopt neobanking services | 0.105 | 0.031 | 3.431 | |
| PYR-BI to adopt neobanking services | 0.112 | 0.030 | 3.774 | |
| PPR-BI to adopt neobanking services | 0.181 | 0.036 | 5.038 | |
| PSYR-BI to adopt neobanking services | 0.064 | 0.029 | 2.125 | |
| PTR-BI to adopt neobanking services | 0.084 | 0.036 | 2.344 | |
| BIAs-BI to recommend neobank services | 0.383 | 0.047 | 8.179 |
Source(s): Hair et al. (2012), Author