Variable

Model 1

Model 2

Model 3

Model 4

Model 5

Model 6

VIF

Beta, t,

Beta, t,

Beta, t,

Beta, t,

Beta, t,

VIF

Control Variables

Actual age

0.140***, 3.495

0.072, 1.818

0.047, 1.173

0.040, 1.002

0.034, 0.845

0.034, 0.866

1.112

Gender

0.015, 0.713

0.016, 0.411

0.032, 0.827

0.037, 0.827

0.040, 1.058

0.046, 1.241

1.025

Independent Variables

Perceived Responsiveness

0.273***, 6.888

0.161***, 3.245

0.115*, 2.136

0.038, 0.658

0.019, 0.338

2.364

Perceived Empathy

0.186***, 3.712

0.119*, 2.005

0.087, 1.459

0.074, 1.234

2.503

Perceived Assurance

0.133*, 2.137

0.099, 1.584

0.056, 0.905

2.822

Perceived Reliability

0.186***, 3.543

0.068, 1.186

2.431

Perceived Tangibility

0.243***, 4.658

1.990

R

0.141

0.300

0.332

0.341

0.367

0.405

R Square

0.020

0.090

0.110

0.117

0.134

0.164

Adjusted R Square

0.017

0.086

0.104

0.109

0.126

0.154

F-statistic

6.303**

20.333***

19.01***

16.209***

15.855***

17.148***