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Hypothesis testing.
| Hypotheses | Relationship | T-value | P-values | Decision |
|---|---|---|---|---|
| H1a | DFL → ATT | 13.555 | 0.000 | Confirmed |
| H1b | DFL → SEF | 14.387 | 0.000 | Confirmed |
| H2 | ATT → SKI | 3.500 | 0.000 | Confirmed |
| H3 | SEF → SKI | 5.691 | 0.000 | Confirmed |
| H4 | SKI → DFC | 20.152 | 0.000 | Confirmed |
Note(s): DFL = digital financial literacy, ATT = attitude, SEF = self-efficacy, SKI = skills., DFC = digital financial capability.
Source: Authors own (2023)
