Table 5.
Path | Hypothesis | β | SE | CR | P value | 95% CI | Decision | |
Lower | Upper | |||||||
PU→AT | H1 | 0.079 | 0.046 | 1.730 | 0.099 | −0.015 | 0.174 | Not supported |
PU→BI | H2 | −0.013 | 0.042 | −0.081 | 0.912 | −0.097 | 0.088 | Not supported |
PEU→PU | H5 | 0.104 | 0.048 | 2.169 | 0.048* | 0.001 | 0.207 | Supported |
PEU→AT | H6 | 0.204 | 0.048 | 4.238 | 0.000** | 0.101 | 0.306 | Supported |
PEU→BI | H7 | 0.377 | 0.047 | 8.001 | 0.000** | 0.280 | 0.475 | Supported |
AT→BI | H8 | 0.361 | 0.050 | 7.187 | 0.000** | 0.263 | 0.465 | Supported |
ITE→PU | H13 | 0.110 | 0.031 | 2.480 | 0.010* | 0.019 | 0.136 | Supported |
ITE→AT | H14 | 0.029 | 0.030 | 0.943 | 0.301 | −0.028 | 0.086 | Not supported |
ITE→BI | H15 | −0.027 | 0.028 | −0.951 | 0.326 | −0.076 | 0.026 | Not supported |
DL→AT | H16 | 0.053 | 0.040 | 1.317 | 0.194 | −0.026 | 0.137 | Not supported |
DL→BI | H17 | 0.087 | 0.037 | 2.356 | 0.029* | 0.009 | 0.162 | Supported |
*P<0.05, **p<0.001.
AT, attitude; BI, behavioural intention; CR, critical ratio; DL, digital literacy; Hn, hypothesis; ITE, information technology experience; PEU, perceived ease of use; PU, perceived usefulness; SEM, structural equation model; β, estimate.