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Significance testing of structural model path coefficients.
| Hypothesis | Path coefficient (SD) | t value | P value | 97.5% CI | Significance (P<.0.5) |
| Benevolence mediates trust | 0.062 (0.097) | 0.674 | .50 | 0.251 | No |
| Competency mediates trust | 0.495 (0.099) | 5.022 | <.001 | 0.690 | Yes |
| Reciprocity mediates trust | 0.195 (0.084) | 2.285 | .02 | 0.355 | Yes |
| Risk perception mediates trust | –0.287 (0.056) | 5.106 | <.001 | –0.197 | Yes |
