Table 12.

Results of hypotheses testing.

Hypotheses	Regression Result	Result	Accept/Reject
H1: The adoption behaviour is influenced by users' awareness of such applications.	Significant	(0.000 < 0.05)	Accepted
H2: The users' adoption behaviour is influenced by the benefits and choice of investment of such applications.	Significant	(0.000 < 0.05)	Accepted
H3: Reliability, Safety, and risk-related factors significantly impact the users' adoption behaviour.	Significant	(0.000 < 0.05)	Accepted
H4: Financial literacy impacts the users' adoption behaviour.	Significant	(0.001 < 0.05)	Accepted
H5: The knowledge of technical aspects influences the users' adoption behaviour.	Significant	(0.000 < 0.05)	Accepted
H6: The users' adoption behaviour is influenced by the user’s investment dependency.	Significant	(0.000 < 0.05)	Accepted