Table 5.

Overview of results with Usage Satisfaction as the dependent variable

Independent variable	Hypothesis	Beta value	p-value	Result
Cost	H1	-0.309	0.035 is less than 0.05	Accepted
Usefulness	H2	0.513	0.005is less than 0.05	Accepted
Trust	H3	-0.395	0.013 is less than 0.05	Accepted
Information-Risk	H4	-2.15	0.501 is greater than 0.05	Rejected
Security	H5	-0.155	0.239 is greater than 0.05	Rejected
Social-influence	H6	-0.445	0.009 is less than 0.05	Accepted
Ease of use	H7	0.017	0.904 is greater than 0.05	Rejected
Performance	H8	-0.050	0.723 is greater than 0.05	Rejected
Credibility	H9	0.309	0.033 is less than 0.05	Accepted
Reliability	H10	-0.162	0.280 is greater than 0.05	Rejected
Information Privacy	H11	-0.330	0.030 is less than 0.05	Accepted
Responsiveness	H12	0.389	0.013 is less than 0.05	Accepted
Customer-Attitude	H13	-0.074	0.591 is greater than 0.05	Rejected
Confidentiality	H14	-0.009	0.953 is greater than 0.05	Rejected
Assurance	H15	-0.091	0.753 is greater than 0.05	Rejected