Table 5.

Moderating Effects.

No	Hypotheses	Beta	Standard Error	t Value	Decision
H6	Privacy × PHR PEOU→PHR Intention to Use	0.075	0.037	2.008	Accepted
H7	Usability × PHRPEOU→PHR Intention to Use	0.103	0.054	1.903	Accepted
H8	Usability × PHR PU→PHR Intention to Use	−0.102	0.058	1.747	Accepted