Financial Innovation

Table 9 Direct relationship for hypothesis testing with trust as a moderator

From: 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

Hypothesis	Relationship	Std Beta	Std Error	t-value^a	P values	Decision	5% Lower bounds	95% Upper bounds
H1	IF → UB	0.730	0.030	23.825	0.000***	Supported	0.678	0.777
H1a	T * IF → UB	− 0.100	0.039	2.807	0.003**	Supported	− 0.163	− 0.036

***P < 0.001, **P < 0.01, *P < 0.05

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