Table 14.

Results of the moderating effect of education on indirect paths (school vs college).

Hypothesis #	Hypothesized path	Secondary school or lower		College or diploma		P value for chi-square difference test
		Standardized estimate (β)	P value	Standardized estimate (β)	P value
H6	PPSa→PEb→BIc	.12	<.001	.30	.002	.007
H12	EEd→PE→BI	.17	<.001	.01	.90	.045
H16	SIe→PE→BI	.06	.11	.08	.02	.45
H24	FCsf→PE→BI	.11	.007	.04	.31	.49

^aPPS: perceived privacy and security.

^bPE: performance expectancy.

^cBI: behavioral intention.

^dEE: effort expectancy.

^eSI: social influence.

^fFC: facilitating condition.