Table 5

Effects on endogenous variables

HypothesisDirect effectp-valueCorrelationsCISupportVIFExplained variance
5%95%
H1 (+): Individual Drivers – Behavioral Intention to Use (c')0.5970.0010.611[0.491 0.696]Yes1.91535.38% (High)
H2a (+): Individual Drivers – Attitude (a)0.6850.0010.685[0.602 0.755]Yes1.00046.92% (High)
H2b (+): Attitude – Behavioral Intention to Use (b)0.7240.0010.813[0.596 0.829]Yes1.96258.86% (High)
Control variablesTwo-tailed bootstrapping        
SectorDirect effect
0.047
p-value
0.170ns
t-value
1.371
        
Age−0.8030.0302.175        
Gender0.0740.405ns0.089        

Note(s): VIF: variance inflation factor; CI: confidence interval. ns: non-significant

Source(s): Authors’ own work

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