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Comparison of key findings.
| Perspectives | Global model | Model 1 | Model 2 | Model 3 |
| 1. Trust transfer | O | O | X | O |
| 2. Neuroticism effect on trust transfer | O | X | O | X |
| 3. Effect of online trust on satisfaction after trust transfer | O | O | X | X |
Model 1 = Heterogeneity model 1, Model 2 = Heterogeneity model 2, and Model 3 = Heterogeneity model 3.
