Figure 2
The conceptual diagram begins with the box labeled “Perceived Ease of Use (R square equals 59.3),” which is placed on the left side. An arrow labeled “H 2 (0.397)” leads upward from the box “Perceived Ease of Use (R square equals 59.3)” to the box “Perceived Usefulness (R square equals 62.2),” which is located at the top center. Another arrow labeled “H 1 (0.403)” extends horizontally from “Perceived Ease of Use (R square equals 59.3)” to the box “FinTech Use (R square equals 67.3),” shown on the right side. An arrow labeled “H 3 (0.236)” from the box “Perceived Usefulness (R square equals 62.2)” leads to the box “FinTech Use (R square equals 67.3).” A box labeled “Service Quality” is positioned at the bottom center. An upward arrow labeled “H 5 (0.441)” from the box “Service Quality” leads to the top box “Perceived Usefulness (R square equals 62.2).” Another two arrows labeled “H 4 (0.770)” and “H 6 (0.256)” from the box “Service Quality” lead to the boxes “Perceived Ease of Use (R square equals 59.3)” and “FinTech Use (R square equals 67.3),” respectively. From “Service Quality,” four arrows extend downward toward the bottom row of factors: “Efficiency,” “Fulfillment,” “System Availability,” and “Privacy.”Results of the structural model. Source: Authors’ own work