Path analysis
| H | Relationships | β | STDEV | t-value | p-value | Results |
|---|---|---|---|---|---|---|
| Direct effects | ||||||
| H1a | PEoU→ATT | 0.258 | 0.064 | 4.016 | 0.000 | Supported |
| H1b | PEoU→PU | 0.489 | 0.049 | 10.059 | 0.000 | Supported |
| H2a | PU→ATT | 0.179 | 0.051 | 3.476 | 0.001 | Supported |
| H2b | PU→BI | 0.423 | 0.055 | 7.688 | 0.000 | Supported |
| H3 | ATT→BI | 0.133 | 0.033 | 4.080 | 0.000 | Supported |
| H4 | PT→BI | 0.121 | 0.036 | 3.327 | 0.001 | Supported |
| H5 | PI→BI | 0.126 | 0.073 | 1.729 | 0.084 | Not supported |
| H6 | SI→BI | 0.310 | 0.078 | 3.968 | 0.000 | Supported |
| H7a | SE→BI | 0.056 | 0.037 | 1.538 | 0.125 | Not supported |
| H7b | SE→PEoU | 0.305 | 0.051 | 6.004 | 0.000 | Supported |
| H8 | DB→BI | −0.080 | 0.037 | 2.151 | 0.032 | Supported |
| H9 | ANX→BI | −0.044 | 0.036 | 1.225 | 0.221 | Not supported |
| H10 | PC→BI | −0.182 | 0.038 | 4.781 | 0.000 | Supported |
| H11 | PR→BI | −0.056 | 0.044 | 1.256 | 0.210 | Not supported |
| H12 | BI→AU | 0.570 | 0.048 | 11.90 | 0.000 | Supported |
| Interaction Effects | ||||||
| H13 | BI × Education→AU | 0.025 | 0.039 | 0.649 | 0.517 | Not supported |
| H14 | BI × Income→AU | 0.200 | 0.041 | 4.893 | 0.000 | Supported |
| H15 | BI × Experience→AU | 0.133 | 0.055 | 2.416 | 0.016 | Supported |
| H | Relationships | STDEV | Results | |||
|---|---|---|---|---|---|---|
| PEoU→ATT | 0.258 | 0.064 | 4.016 | 0.000 | Supported | |
| PEoU→PU | 0.489 | 0.049 | 10.059 | 0.000 | Supported | |
| PU→ATT | 0.179 | 0.051 | 3.476 | 0.001 | Supported | |
| PU→BI | 0.423 | 0.055 | 7.688 | 0.000 | Supported | |
| ATT→BI | 0.133 | 0.033 | 4.080 | 0.000 | Supported | |
| PT→BI | 0.121 | 0.036 | 3.327 | 0.001 | Supported | |
| PI→BI | 0.126 | 0.073 | 1.729 | 0.084 | Not supported | |
| SI→BI | 0.310 | 0.078 | 3.968 | 0.000 | Supported | |
| SE→BI | 0.056 | 0.037 | 1.538 | 0.125 | Not supported | |
| SE→PEoU | 0.305 | 0.051 | 6.004 | 0.000 | Supported | |
| DB→BI | −0.080 | 0.037 | 2.151 | 0.032 | Supported | |
| ANX→BI | −0.044 | 0.036 | 1.225 | 0.221 | Not supported | |
| PC→BI | −0.182 | 0.038 | 4.781 | 0.000 | Supported | |
| PR→BI | −0.056 | 0.044 | 1.256 | 0.210 | Not supported | |
| BI→AU | 0.570 | 0.048 | 11.90 | 0.000 | Supported | |
| BI × Education→AU | 0.025 | 0.039 | 0.649 | 0.517 | Not supported | |
| BI × Income→AU | 0.200 | 0.041 | 4.893 | 0.000 | Supported | |
| BI × Experience→AU | 0.133 | 0.055 | 2.416 | 0.016 | Supported | |
Note(s): p < 0.05, Supported; p > 0.05, Not supported
Source(s): Authors’ own creation
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