Table 5.

Results for main effect and moderated regression analyses.

Predictors	Willingness to Pay
	β	ΔR2
Step1:
Control Variables
Gender	0.013
Age	−0.042
Education	−0.083
Monthly Income	0.052
Influence by COVID-19	0.114
Mobile Payment Use	0.025
Step2:
Main Effects
Emotional Contagion	0.427**
Sensitivity to Pain of Payment	−0.068	0.285**
Step3:
Interaction Terms
Emotional Contagion × Sensitivity to Pain of Payment	0.125***	0.018**

Note: **p < 0.01; ***p < 0.001.