The effect of individual factors on user behaviour and the moderating role of trust: an empirical investigation of consumers’ acceptance of electronic banking in the Kurdistan Region of Iraq

Financial Innovation

Table 8 Analysis of second-order variables

Second-order components	Lower-order components	Std Beta	Std Error	t-value^a	P values	Decision	5% Lower bounds	95% Upper bounds
IF	PE	0.286	0.079	3.650	0.000***	Supported	0.158	0.416
IF	EE	0.692	0.063	11.106	0.000***	Supported	0.587	0.794
IF	SI	− 0.188	0.072	2.649	0.004**	Supported	− 0.305	− 0.070
IF	FC	0.254	0.073	3.533	0.000***	Supported	0.130	0.369