. 2023 Oct 12;9(10):e20686. doi: 10.1016/j.heliyon.2023.e20686

Table 5.

Results of the structural model and Multigroup analysis.

		Entire sample				Informal sample				Formal sample
H. No	Path	Β	t-value	p-value	Supported?	Β	t-value	p-value	Supported?	β	t-value	p-value	Supported?
1	Effort Expectancy - > Intention to use	0.090	2.3054	0.021	YES	0.1119	2.2213	0.026	YES	0.061	1.052	0.293	NO
2	Hedonic - > Intention to use	0.336	7.9951	0.000	YES	0.3949	6.9682	0.000	YES	0.254	4.151	0.000	YES
3	Performance Expectancy - > Intention to use	0.110	2.3908	0.017	YES	0.1100	1.8026	0.072	NO	0.124	1.765	0.078	NO
4	Social Norm - > Intention to use	0.439	8.5014	0.000	YES	0.3949	5.8698	0.000	YES	0.496	6.923	0.000	YES
R2		0.721				0.764				0.678
Q²predict		0.716				0.752				0.663