Construct

Coefficient

t-value

p-value

Perceived Financial Risk

−0.044

1.614

0.107

Perceived Psychological Risk

−0.102

1.963

0.050

Perceived Privacy Risk

−0.099

2.431

0.015

Technology Perceived Risk

−0.187

2.101

0.036

Activity Perceived Risk

0.533

6.042

<0.001