Table 18.

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

Hypothesis #	Hypothesized path	Low income		High income		P value for chi-square difference test
		Standardized estimate (β)	P value	Standardized estimate (β)	P value
H6	PPSa→PEb→BIc	.20	<.001	.27	.002	.56
H12	EEd→PE→BI	.10	<.001	.16	.03	.37
H16	SIe→PE→BI	.07	.01	.13	.04	.28
H24	FCsf→PE→BI	.12	.002	−.07	.22	.06

^aPPS: perceived privacy and security.

^bPE: performance expectancy.

^cBI: behavioral intention.

^dEE: effort expectancy.

^eSI: social influence.

^fFC: facilitating condition.