Table 1.
Path | Hypothesis | Effect | β | P value | Result | Decision |
PEU→PU→AT | H3 | Total | 0.212 | 0.000*** | Direct relationship | Not supported |
Indirect | 0.008 | 0.072 | ||||
Direct | 0.204 | 0.000*** | ||||
ITE→PU→AT | H4 | Total | 0.035 | 0.216 | No relationship | Not supported |
Indirect | 0.006 | 0.068 | ||||
Direct | 0.029 | 0.301 | ||||
PU→AT→BI | H9 | Total | 0.025 | 0.614 | No relationship | Not supported |
Indirect | 0.029 | 0.093 | ||||
Direct | −0.003 | 0.912 | ||||
PEU→AT→BI | H10 | Total | 0.454 | 0.000** | Partial mediation | Support |
Indirect | 0.076 | 0.000** | ||||
Direct | 0.377 | 0.000** | ||||
ITE→AT→BI | H11 | Total | −0.014 | 0.652 | No relationship | Not supported |
Indirect | 0.012 | 0.256 | ||||
Direct | −0.027 | 0.326 | ||||
DL→AT→BI | H12 | Total | 0.107 | 0.010* | Direct relationship | Not supported |
Indirect | 0.019 | 0.185 | ||||
Direct | 0.087 | 0.029* |
*Significance at p<0.05, **significance at p<0.01,*** significance at p<0.001.
BI, behavioural intention; DL, digital literacy; Hn, hypothesis; ITE, information technology experience; PEU, perceived ease of use; β, estimate.