Table 15.

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

Hypothesis #	Hypothesized path	Secondary school or lower		Bachelor or higher		P value for chi-square difference test
		Standardized estimate (β)	P value	Standardized estimate (β)	P value
H6	PPSa→PEb→BIc	.12	<.001	.11	.04	.75
H12	EEd→PE→BI	.17	<.001	.08	.09	.81
H16	SIe→PE→BI	.06	.11	.10	.03	.27
H24	FCsf→PE→BI	.11	.007	.10	.05	.26

^aPPS: perceived privacy and security.

^bPE: performance expectancy.

^cBI: behavioral intention.

^dEE: effort expectancy.

^eSI: social influence.

^fFC: facilitating condition.