Table 7.

Results of the moderating effect of education level (secondary school vs bachelor or higher).

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
H4	PPSa→PEb	.22	<.001	.18	.03	.98
H5	PPS→BIc	.15	.01	.28	<.001	.07
H10	EEd→PE	.31	<.001	.01	.89	.049
H11	EE→BI	.13	.02	−.08	.20	.04
H15	SIe→PE	.10	.13	.17	.02	.37
H21	FCsf→PE	.20	.004	.18	.02	.27
H22	FCs→BI	.05	.40	.004	.95	.82
H23	FCs→UBg	.38	<.001	.21	.002	.03
H27	PE→BI	.55	<.001	.59	<.001	.24
H29	BI→UB	.14	.04	.48	<.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.