Table 6.

Results of the moderating effect of education level (secondary 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
H4	PPSa→PEb	.22	<.001	.25	<.001	.41
H5	PPS→BIc	.15	.01	.28	<.001	.18
H10	EEd→PE	.31	<.001	.14	.045	.93
H11	EE→BI	.13	.02	.12	.008	.43
H15	SIe→PE	.10	.13	.14	.047	.42
H21	FCsf→PE	.20	.004	.07	.31	.56
H22	FCs→BI	.05	.40	.02	.64	.82
H23	FCs→UBg	.38	<.001	.29	<.001	.003
H27	PE→BI	.55	<.001	.62	<.001	.53
H29	BI→UB	.14	.04	.39	<.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.