Table 8.

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

Hypothesis #	Hypothesized path	College or diploma		Bachelor or higher		P value for chi-square difference test
		Standardized estimate (β)	P value	Standardized estimate (β)	P value
H4	PPSa→PEb	.25	<.001	.18	.03	.12
H5	PPS→BIc	.28	<.001	.28	<.001	.19
H10	EEd→PE	.14	.045	.01	.89	.17
H11	EE→BI	.12	.008	−.08	.20	.02
H15	SIe→PE	.14	.047	.17	.02	>.99
H21	FCsf→PE	.07	.31	.18	.02	.17
H22	FCs→BI	.02	.64	.004	.95	.91
H23	FCs→UBg	.29	<.001	.21	.002	.26
H27	PE→BI	.62	<.001	.59	<.001	.06
H29	BI→UB	.39	<.001	.48	<.001	.003

^aPPS: perceived privacy and security.

^bPE: performance expectancy.

^cBI: behavioral intention.

^dEE: effort expectancy.

^eSI: social influence.

^fFC: facilitating condition.

^gUB: use behavior.