Table 9.

Results of the moderating effect of income (low income vs middle income).

Hypothesis #	Hypothesized path	Low incomea		Middle incomeb			P value for chi-square difference test
		Standardized estimate (β)	P value		Standardized estimate (β)	P value
H4	PPSc→PEd	.38	<.001		.40	<.001		.71
H5	PPS→BIe	.24	<.001		.27	<.001		.91
H10	EEf→PE	.18	<.001		.32	<.001		.07
H11	EE→BI	.14	<.001		.21	<.001		.41
H15	SIg→PE	.14	.006		.13	.07		.98
H21	FCsh→PE	.22	<.001		.06	.40		.43
H22	FCs→BI	.08	.09		.06	.31		.96
H23	FCs→UBi	.42	<.001		.23	<.001		.04
H27	PE→BI	.53	<.001		.52	<.001		.40
H29	BI→UB	.43	<.001		.41	<.001		.87

^aLow income: <US $25,000.

^bMedium income: US $25,000-US $50,999.

^cPPS: perceived privacy and security.

^dPE: performance expectancy.

^eBI: behavioral intention.

^fEE: effort expectancy.

^gSI: social influence.

^hFC: facilitating condition.

ⁱUB: use behavior.