Table 12.

Results of the moderating effect of internet access.

Hypothesis #	Hypothesized path	Internet access		No internet access			P value for chi-square difference test
		Standardized estimate (β)	P value		Standardized estimate (β)	P value
H4	PPSa→PEb	.40	<.001		.35	<.001		.68
H5	PPS→BIc	.21	<.001		.30	.002		.93
H10	EEd→PE	.25	<.001		.24	.02		.36
H11	EE→BI	.10	<.001		.27	.007		.03
H15	SIe→PE	.14	<.001		.07	.51		.26
H21	FCsf→PE	.12	.006		.22	.06		.89
H22	FCs→BI	.04	.17		.07	.46		.89
H23	FCs→UBg	.20	.03		.34	<.001		<.001
H27	PE→BI	.59	<.001		.39	<.001		.005
H29	BI→UB	.51	<.001		.31	.004		.002

^aPPS: perceived privacy and security.

^bPE: performance expectancy.

^cBI: behavioral intention.

^dEE: effort expectancy.

^eSI: social influence.

^fFCs: facilitating conditions.

^gUB: use behavior.