Table 5.

Results of the moderating effect of sex.

Hypothesis #	Hypothesized path	Men		Women		P value for chi-square difference test
		Standardized estimate (β)	P value	Standardized estimate (β)	P value
H4	PPSa→PEb	.41	<.001	.32	<.001	.81
H5	PPS→BIc	.25	<.001	.21	<.001	.39
H10	EEd→PE	.22	<.001	.26	<.001	.12
H11	EE→BI	.17	<.01	.17	<.01	.19
H15	SIe→PE	.068	.30	.17	<.001	.09
H21	FCsf→PE	.08	.23	.16	<.01	.14
H22	FCs→BI	.05	.35	.04	.33	.86
H23	FCs→UBg	.34	<.001	.24	<.001	.32
H27	PE→BI	.59	<.001	.50	<.001	.004
H29	BI→UB	.29	<.001	.53	<.001	.001

^aPPS: perceived privacy and security.

^bPE: performance expectancy.

^cBI: behavioral intention.

^dEE: effort expectancy.

^eSI: social influence.

^fFC: facilitating condition.

^gUB: use behavior.