Order

Relationship between variables

Path coefficient

p value

Corresponding hypothesis

Test results

1

Credit degree ® Perceived usefulness

−0.087

0.590

H1

Not support

2

Credit degree ® Perceived ease of use

−0.122

0.376

H4

Not support

3

Credit degree ® Perceived risks

−0.294*

0.031

H7

Support

4

Information quality ® Perceived usefulness

0.499***

0.000

H2

Support

5

Information quality ® Perceived ease of use

0.652***

0.000

H5

Support

6

Information quality ® Perceived risks

−0.305**

0.005

H8

Support

7

Service quality ® Perceived usefulness

0.389*

0.020

H3

Support

8

Service quality ® Perceived ease of use

0.556**

0.008

H6

Support

9

Service quality ® Perceived risks

−0.314**

0.003

H9

Support

10

Perceived usefulness ® Purchasing intention

0.349***

0.000

H10

Support

11

Perceived ease of use ® Purchasing intention

0.582***

0.000

H11

Support

12

Perceived risks ® Purchasing intention

−0.201*

0.035

H12

Support