Independent variable	Unstandardized coefficients		Standardized coefficients	t	Sig.
Independent variable	B	Std. Error	Beta	t	Sig.
H1: PU	0.364	0.065	0.364	5.568	0.000^**
H2: PEOU	0.298	0.064	0.298	4.627	0.000^**
H5: PR	−0.118	0.056	−0.118	−2.117	0.036^*
H3: TIEC	0.115	0.057	0.115	2.005	0.046^*
Excluded variables
Variables			B	t	Sig.
H4: TIG			0.052	0.729	0.467