Hypothesis

Path

Coeff.

C.R.

P

Result

H1

Perceived Usefulness → Adoption Intention

0.680

8.283

0.000

Adopt

H2

Perceived Ease of Use → Adoption Intention

0.396

4.463

0.000

Adopt

H3

Perceived Ease of Use → Perceived Usefulness

0.478

4.531

0.000

Adopt

H4

Performance Risk → Perceived Usefulness

−0.330

−2.981

0.037

Adopt

H5

Performance Risk → Perceived Ease of Use

0.297

2.720

0.068

Reject

H6

Performance Risk → Adoption Intention

−0.140

−1.317

0.675

Reject

H7

Financial Risk → Adoption Intention

−0.268

−3.126

0.026

Adopt