Table 19.

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

Hypothesis #	Hypothesized path	Middle income		High income			P value for chi-square difference test
		Standardized estimate (β)	P value		Standardized estimate (β)	P value
H6	PPSa→PEb→BIc	.21	<.001		.27	.002		.45
H12	EEd→PE→BI	.19	.002		.16	.03		.84
H16	SIe→PE→BI	.07	.09		.13	.04		.30
H24	FCsf→PE→BI	.03	.37		−.07	.22		.17

^aPPS: perceived privacy and security.

^bPE: performance expectancy.

^cBI: behavioral intention.

^dEE: effort expectancy.

^eSI: social influence.

^fFC: facilitating condition.