Figure 1
The path analysis based on personality traits and PU, PEU, and BI.
Table 1
Descriptive Statistics of the Variables.
| VARIABLES | N | MIN | MAX | MEAN | STD. DEVIATION | SKEWNESS | KURTOSIS |
|---|---|---|---|---|---|---|---|
| PU | 722 | 4 | 28 | 21.13 | 5.62 | –0.784 | 0.264 |
| PEU | 722 | 4 | 28 | 19.84 | 5.20 | –0.410 | –0.184 |
| BI | 722 | 3 | 21 | 15.89 | 4.01 | –0.622 | 0.026 |
| EXT | 722 | 2 | 10 | 7.54 | 1.76 | –0.297 | –0.614 |
| AGR | 722 | 4 | 10 | 7.99 | 1.43 | –0.481 | –0.364 |
| CONS | 722 | 4 | 10 | 7.90 | 1.60 | –0.359 | –0.679 |
| NEUR | 722 | 2 | 10 | 5.70 | 1.76 | 0.140 | –0.378 |
| OE | 722 | 3 | 10 | 6.98 | 1.71 | –0.021 | –0.658 |
[i] PU: Perceived usefulness, PEU: Perceived ease of use, BI: Behavioural intention, EXT: Extroversion, AGR: Agreeableness, CONS: Conscientiousness, NEUR: Neuroticism, and OE: Openness to Experience.
Table 2
Perfect and Acceptable Fit Values regarding the Path Analysis.
| FIT CRITERIA | PERFECT FIT VALUES | ACCEPTABLE FIT VALUES | ACHIEVED FIT VALUES |
|---|---|---|---|
| (χ2/df) | ≤3 | ≤4–5 | 0.33 |
| AGFI | ≥0.90 | ≥0.85 | 0.99 |
| GFI | ≥0.90 | ≥0.85 | 0.99 |
| CFI | ≥0.97 | ≥0.90 | 1 |
| RMSEA | ≤0.05 | 0.06–0.08 | 0.000 |
| SRMR | ≤0.05 | 0.06–0.08 | 0.006 |
Figure 2
Findings Achieved in the Path Analysis.
Table 3
Direct and Indirect Effects on the PU, PEU, and BI Variables.
| INDEPENDENT VARIABLE | DEPENDENT VARIABLE | TOTAL EFFECT | DIRECT EFFECT | INDIRECT EFFECT | STANDARD ERROR | CRITICAL RATIO (T) |
|---|---|---|---|---|---|---|
| EXT | PEU | 0.046 | 0.046 | – | 0.124 | 1.094 |
| AGR | PEU | 0.046 | 0.046 | – | 0.138 | 1.207 |
| CONS | PEU | 0.018 | 0.018 | – | 0.135 | 0.434 |
| NEUR | PEU | –0.076 | –0.076 | – | 0.114 | –1.965* |
| OE | PEU | 0.29 | 0.29 | – | 0.117 | 0.758 |
| PEU | BI | 0.344 | 0.203 | 0.141 | 0.029 | 5.473*** |
| PU | BI | 0.319 | 0.319 | – | 0.026 | 8.592*** |
| PEU | PU | 0.442 | 0.442 | – | 0.036 | 13.156*** |
| EXT | PU | 0.043 | 0.023 | 0.020 | 0.121 | 0.595 |
| AGR | PU | 0.006 | –0.015 | 0.020 | 0.135 | –0.429 |
| CONS | PU | 0.050 | 0.042 | 0.008 | 0.132 | 1.121 |
| NEUR | PU | –0.054 | –0.020 | –0.033 | 0.111 | –0.583 |
| OE | PU | –0.37 | –0.050 | 0.013 | 0.114 | –1.432 |
| EXT | BI | 0.023 | – | 0.023 | – | – |
| AGR | BI | 0.011 | – | 0.011 | – | – |
| CONS | BI | 0.020 | – | 0.020 | – | – |
| NEUR | BI | –0.033 | – | –0.033 | – | – |
| OE | BI | –0.006 | – | –0.006 | – | – |
[i] * p < 0.05; ** p < 0.01; *** p < 0.001.