Table 5.

Results of hypothesis testing.

Hypothesis	Path	βa	P value	Judgement of model 1	β1b	P value	Judgement of model 2
H1	PUc→BI	.399	<.001	Accepted	.431	<.001	Accepted
H2	PEUd→BI	.117	.07	Rejected	.104	.13	Rejected
H3	PEU→PU	.537	<.001	Accepted	.530	<.001	Accepted
H4a	PRe→FRf	.972	<.001	Accepted	.973	<.001	Accepted
H4b	PR→PRRg	.774	<.001	Accepted	.774	<.001	Accepted
H4c	PR→SRh	.537	<.001	Accepted	.536	<.001	Accepted
H4d	PR→TRi	.894	<.001	Accepted	.894	<.001	Accepted
H4e	PR→PSRj	.871	<.001	Accepted	.870	<.001	Accepted
H5	PR→PU	–.375	<.001	Accepted	–.399	<.001	Accepted
H6	PR→PEU	–.491	<.001	Accepted	–.488	<.001	Accepted
H7	PR→BI	–.297	<.001	Accepted	–.275	<.001	Accepted
H8	PIk→PEU	.241	<.001	Accepted	.242	<.001	Accepted
H9	PI→BIl	.124	.001	Accepted	.123	.001	Accepted

^aβ: standardized factor loading of model 1.

^bβ1: standardized factor loading of model 2.

^cPU: perceived usefulness.

^dPEU: perceived ease of use.

^ePR: perceived risk.

^fFR: financial risk.

^gPRR: privacy risk.

^hSR: social risk.

ⁱTR: time risk.

^jPSR: psychological risk.

^kPI: personal innovativeness.

^lBI: behavior intention.