TABLE 4.

Results of hypotheses tests (WeChat Pay’s Chinese consumer’s sample in Korea).

Hypothesis	Route	T-Value	Path coefficients
H1a	SYQ → US	5.237	0.260***
H1b	SYQ → PE	10.498	0.482***
H2a	IQ → US	6.525	0.324***
H2b	IQ → PE	10.269	0.459***
H3a	SEQ → US	0.641	0.025
H3b	SEQ → PE	0.213	0.008
H4a	PE → US	7.006	0.415***
H4b	US → UI	5.589	0.351***
H5a	SA → IT	7.597	0.347***
H5b	PPT → IT	7.719	0.360***
H5c	FR → IT	7.410	0.338***
H6a	IT → PE	10.417	0.438***
H6b	IT → UI	1.350	0.057
H7	PE → UI	4.162	0.291***
H8	EE → UI	0.535	0.020
H9	SI → UI	5.168	0.189***
H10	FC → UI	2.645	0.107**
H11	HM → UI	7.023	0.269***
H12	PV → UI	2.148	0.079*
H13	HA → UI	7.082	0.285***

*p-value < 0.05; **p-value < 0.01; and ***p-value < 0.001.