Table 13.

Variation analysis of the variables - ANOVA ANOVA.^a

Model		Sum of Squares	Df	Mean Square	F	Sig.
1	Regression	7.576	1	7.576	39.601	.000b
	Residual	80.733	422	0.191
	Total	88.309	423
2	Regression	24.202	1	24.202	159.321	.000c
	Residual	64.106	422	0.151
	Total	88.309	423
3	Regression	30.475	1	30.475	222.366	.000d
	Residual	57.834	422	0.137
	Total	88.309	423
4	Regression	1.984	1	1.984	9.700	.001e
	Residual	86.325	422	0.204
	Total	88.309	423
5	Regression	7.127	1	7.127	37.049	.000f
	Residual	81.182	422	0.192
	Total	88.309	423
6	Regression	56.749	1	56.749	758.831	.000g
	Residual	31.559	422	0.074
	Total	88.309	423

^aDependent Variable: Users' adoption behaviour.

^bPredictors: (Constant), Awareness of online applications.

^cPredictors: (Constant), Benefits & choice of investment.

^dPredictors: (Constant), Reliability, Safety, and risk-related factors.

^ePredictors: (Constant), Financial literacy factors.

^fPredictors: (Constant), Technical aspect factors.

^gPredictors: (Constant), Dependency factors.