Variables

Model 1

Model 2

VIF

Beta, t

Beta, t

VIF

Gender

0.057, 0.838

0.061, 1.223

1.018

Level of Education

0.011, 0.164

0.046, 0.904

1.054

Age

−0.017, −0.248

−0.009, −0.185

1.035

Perceived Usefulness

0.463***, 7.586

1.535

Perceived Ease of Use

0.128*, 2.001

1.689

Trust (i.e. Security and Credibility)

0.249***, 4.341

1.356

R

0.061

0.693

R Square

0.004

0.480***

Adjusted R square

−0.010

0.465

F-statistic

0.273

32.898***