TABLE 7.

The difference of path coefficients between WeChat Pay’s and Kakao Pay’s different consumers.

Hypothesis	Route	WeChat Pay		Kakao Pay		Pairwise parameter comparisons
		β	P	β	P	T value	p-Value
H6b	IT → UI	0.057	0.177	0.509	***	7.854	0.000
H4b	US → UI	0.351	***	0.061	0.241	–2.879	0.004
H7	PE → UI	0.291	***	0.050	0.393	–2.704	0.007
H8	EE → UI	0.020	0.593	0.040	0.292	0.564	0.573
H9	SI → UI	0.189	***	0.213	***	1.470	0.142
H10	FC → UI	0.107	0.008*	0.278	***	3.106	0.002
H11	HM → UI	0.269	***	0.099	0.010*	–2.536	0.012
H12	PV → UI	0.079	0.032*	0.330	***	5.193	0.000
H13	HA → UI	0.285	***	0.097	0.010*	–2.951	0.003

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