Table 11.

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

Hypothesis #	Hypothesized path	Middle incomea		High incomeb		P value for chi-square difference test
		Standardized estimate (β)	P value	Standardized estimate (β)	P value
H4	PPSc→PEd	.40	<.001	.39	<.001		.83
H5	PPS→BIe	.27	<.001	.23	<.001		.75
H10	EEf→PE	.32	<.001	.24	.01		.22
H11	EE→BI	.21	<.001	.09	.13		.21
H15	SIg→PE	.13	.07	.19	.054		.51
H21	FCsh→PE	.06	.40	−.11	.29		.18
H22	FCs→BI	.06	.31	.03	.63		.96
H23	FCs→UBi	.23	<.001	.07	.40		.003
H27	PE→BI	.52	<.001	.66	<.001		.07
H29	BI→UB	.41	<.001	.61	<.001		.03

^aMedium income: US $25,000-US $50,999.

^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.