Table 1.
The proposed research hypotheses.
| Hypothesis # | Hypothesis |
| H1 | PPSa positively affects PEb. |
| H2 | PPS positively affects BIc. |
| H3 | PPS indirectly and positively affects BI through PE. |
| H4 | The positive relationship between PPS and PE is moderated by age, sex, education, income, and internet access, such that the influence is stronger for older women with a higher level of education and lower income and with internet access. |
| H5 | The positive relationship between PPS and BI is moderated by age, sex, education, income, and internet access, such that the influence is stronger for older women with a higher level of education and lower income and with internet access. |
| H6 | The indirect effect of PPS on BI is moderated by sex, education, income, and internet access, such that the influence is stronger for women with a higher level of education and lower income and with internet access. |
| H7 | EEd positively affects PE. |
| H8 | EE positively affects BI. |
| H9 | EE indirectly and positively affects BI through PE. |
| H10 | The positive relationship between EE and PE is moderated by age, sex, education, income, and internet access, such that the influence is stronger for older women with a lower level of education and income and without internet access. |
| H11 | The positive relationship between EE and BI is moderated by age, sex, education, income, and internet access, such that the influence is stronger for older women with a lower level of education and income and without internet access. |
| H12 | The indirect effect of EE on BI is moderated by sex, education, income, and internet access, such that the influence is stronger for women with a lower level of education and income and without internet access. |
| H13 | SIe positively affects PE. |
| H14 | SI indirectly and positively affects BI through PE. |
| H15 | The positive relationship between SI and PE is moderated by age, sex, education, income, and internet access, such that the influence is stronger for older women with a lower level of education and income and with internet access. |
| H16 | The indirect effect of SI on BI is moderated by age, sex, education, income, and internet access, such that the influence is stronger for older women with a lower level of education and income and with internet access. |
| H17 | FCsf positively affect PE. |
| H18 | FCs positively affect BI. |
| H19 | FCs positively affect UBg. |
| H20 | FCs indirectly and positively affect BI through PE. |
| H21 | The positive relationship between FCs and PE is moderated by age, sex, education, income, and internet access, such that the influence is stronger for older women with a lower level of education and income and without internet access. |
| H22 | The positive relationship between FCs and BI is moderated by age, sex, education, income, and internet access, such that the influence is stronger for older women with a lower level of education and income and without internet access. |
| H23 | The positive relationship between FCs and UB is moderated by age, sex, education, income, and internet access, such that the influence is stronger for older women with a lower level of education and income and without internet access. |
| H24 | The indirect effect of FCs on BI is moderated by age, sex, education, income, and internet access, such that the influence is stronger for older women with a lower level of education and income and without internet access. |
| H25 | The indirect effect of FCs on UB is moderated by age, sex, education, income, and internet access, such that the influence is stronger for older women with a lower level of education and income and without internet access. |
| H26 | PE positively affects BI. |
| H27 | The positive relationship between PE and BI is moderated by age and sex, such that the influence is stronger for younger men with a lower level of education, higher income, and internet access |
| H28 | BI positively affects UB. |
| H29 | The positive relationship between BI and UB is moderated by age, sex, education, income, and internet access, such that the influence is stronger for younger women with a higher level of education and income and with internet access. |
aPPS: perceived privacy and security.
bPE: performance expectancy.
cBI: behavioral intention.
dEE: effort expectancy.
eSI: social influence.
fFC: facilitating condition.
gUB: use behavior.