Factors influencing the internet banking adoption decision in North Cyprus: an evidence from the partial least square approach of the structural equation modeling

Financial Innovation

Table 14 T.test for the direct and indirect effects

	Original sample (O)	Standard deviation (STDEV)	T Statistics (\|O/STDEV\|)	P Values
Direct effects
PEOU - > IN	0.213	0.064	3.342	0.001**
SN - > IN	0.179	0.068	2.637	0.008**
Indirect effects
PEOU - > IN	0.103	0.034	3.075	0.002**
SN - > IN	0.117	0.038	3.127	0.002**