Table 10.

Results of the moderating effect of income (low income vs high income).

Hypothesis #	Hypothesized path	Low incomea		High incomeb		P value for chi-square difference test
		Standardized estimate (β)	P value	Standardized estimate (β)	P value
H4	PPSc→PEd	.38	<.001	.39	<.001	.92
H5	PPS→BIe	.24	<.001	.23	<.001	.81
H10	EEf→PE	.18	<.001	.24	.01	.60
H11	EE→BI	.14	<.001	.09	.13	.53
H15	SIg→PE	.14	.006	.19	.054	.45
H21	FCsh→PE	.22	<.001	−.11	.29	.06
H22	FCs→BI	.08	.09	.03	.63	.96
H23	FCs→UBi	.42	<.001	.07	.40	.03
H27	PE→BI	.53	<.001	.66	<.001	.12
H29	BI→UB	.43	<.001	.61	<.001	.008

^aLow income: <US $25,000.

^bHigh income: ≥US $51,000.

^cPPS: perceived privacy and security.

^dPE: performance expectancy.

^eBI: behavioral intention.

^fEE: effort expectancy.

^gSI: social influence.

^hFC: facilitating condition.

ⁱUB: use behavior.