Assumptions

Correlation coefficient

(t) Val

Decisions

H1: The expected effort → The intention to use

0.501***

0.674

Confirmed

H3: Convenance → Current use

0.741***

0.331

Confirmed

H4: Perceived usefulness → intention to use

0.001

3.265

Rejected

H5: Social influence → Intention to use

0.031

2.153

Rejected

H6: Transaction cost → Intention to use

0.000

11.409

Rejected

H7: Perceived risk → Intention to use

0.955***

32.063

Confirmed

H8: Intention to use → Current use

0.548***

0.601

Confirmed