Variable

Correlation Matrix

Mean

Std. Dev

1

2

3

4

5

Actual usage (AU)

4.62

2.20

1

Intention to use (IU)

23.10

5.59

0.389**

(0.000)

1

Perceived Usefulness (PU)

21.76

6.66

0.351**

(0.000)

0.605**

(0.000)

1

Perceived Ease of Use (PEOU)

16.71

7.55

0.615**

(0.000)

0.534**

(0.000)

0.560**

(0.000)

1

Perceived Risk (PR)

12.00

2.96

0.020

(0.753)

−0.105*

(0.013)

−0.147*

(0.022)

0.087

(0.173)

1