Table 14.

Coefficients regression models 1, 2, 3, 4, 5, and 6.

Coefficientsa
Model	Unstandardized Coefficients		Standardized Coefficients	t	Sig.
	B	Std. Error	Beta
(Constant)	0.668	0.089		7.513	.000
Awareness of online applications	−0.111	0.028	0.215	6.292	.000
Benefits & choice of investment	0.215	0.020	0.379	12.622	.000
Reliability, Safety, and risk-related factors	0.159	0.025	0.506	14.911	.001
Financial literacy	−0.186	0.023	0.090	3.114	.000
Technical aspect	0.105	0.021	0.162	6.086	.000
Dependency	0.668	0.023	0.742	27.546	.000

^aUsers' adoption behaviour.