Research hypothesis

Path relation

Standardized path coefficient

T

P

Test Result

H1a

Usage Intention <--- Perceived usefulness

0.58

9.76

***

establish

H1c

Perceived usefulness <--- Perceived ease of use

0.70

11.25

***

establish

H2a

Usage Intention <--- Perceived risk

−0.10

−2.21

0.03

establish

H3a

Usage Intention <--- Subjective norm

0.36

6.23

***

establish

H3b

Perceived usefulness <--- Subjective norm

0.26

4.80

***

establish

H4a

Perceived ease of use<--- Consumer innovativeness

0.39

5.29

***

establish

H4c

Perceived risk <--- Consumer innovativeness

−0.17

−2.79

0.010

establish