| Hypothesis | X | → | Y | Standardized path coefficient | SE | Z | p-value | Results |
| H1 | Completeness of disclosure | → | Financial risk | −0.139 | 0.063 | −1.796 | 0.072 | Not supported* |
| H2 | Completeness of disclosure | → | Time risk | 0.107 | 0.076 | 1.409 | 0.159 | Not supported |
| H3 | Timeliness of service | → | Time risk | −0.173 | 0.079 | −2.307 | 0.021 | Supported** |
| H4 | Privacy and security | → | Financial risk | 0.172 | 0.077 | 2.284 | 0.022 | Supported** |
| H5 | Privacy and security | → | Time risk | 0.168 | 0.085 | 2.240 | 0.025 | Supported** |
| H6 | Reliability of qualifications | → | Financial risk | −0.097 | 0.064 | −1.293 | 0.196 | Not supported |
| H7 | Reliability of qualifications | → | Time risk | −0.057 | 0.070 | −0.758 | 0.448 | Not supported |
| H8 | Feedback validity | → | Financial risk | 0.133 | 0.076 | 1.731 | 0.083 | Supported* |
| H9 | Feedback validity | → | Time risk | 0.086 | 0.083 | 1.135 | 0.257 | Not supported |
| H10 | Communication skills | → | Financial risk | −0.042 | 0.072 | −0.556 | 0.578 | Not supported |
| H11 | Communication skills | → | Time risk | −0.088 | 0.080 | −1.177 | 0.239 | Not supported |
| H12 | Financial risk | → | Willingness to continue using | −0.151 | 0.005 | −1.990 | 0.047 | Supported** |
| H13 | Time risk | → | Willingness to continue using | −0.173 | 0.005 | −1.990 | 0.047 | Supported** |