| Hypothesis Path | Correlation Coefficient | Sig. (1-tailed) |
| H1: Self efficacy - System Use | 0.383 | 0.000 |
| H2: Self efficacy and User satisfaction | 0.351 | 0.000 |
| H3: Information Quality and use of ICT | 0.223 | 0.000 |
| H4: Information Quality and User satisfaction in ICT | 0.463 | 0.000 |
| H5: IT Security and the use of ICT | 0.257 | 0.000 |
| H6: IT Security and User satisfaction in ICT | 0.272 | 0.003 |
| H7: System quality and the use of ICT. | 0.301 | 0.001 |
| H8: System Quality and User satisfaction in ICT | 0.281 | 0.002 |
| H9: Service quality and the use of ICT | 0.304 | 0.001 |
| H9: Service quality and User satisfaction in ICT | 0.591 | 0.000 |
| H10: use of the ICT and the net performance | 0.565 | 0.000 |
| H11: use of the ICT and User satisfaction | 0.295 | 0.001 |
| H12: User satisfaction in ICT and the net performance | 0.174 | 0.041 |