Moderating Role of Perceived Trust and Perceived Service Quality on Consumers’ Use Behavior of Alipay e-wallet System: The Perspectives of Technology Acceptance Model and Theory of Planned Behavior

Table 3

HTMT ratio.

	PU	PEOU	ATT	SN	PBC	BI	PT	PSQ	UB
PU
PEOU	0.419
ATT	0.427	0.387
SN	0.386	0.369	0.424
PBC	0.457	0.434	0.440	0.459
BI	0.515	0.467	0.417	0.443	0.486
PT	0.388	0.459	0.375	0.435	0.419	0.455
PSQ	0.488	0.432	0.428	0.437	0.432	0.504	0.449
UB	0.536	0.444	0.412	0.389	0.431	0.487	0.491	0.394

Note: PU = perceived usefulness; PEOU = perceived ease of use; ATT = attitude; SN = subjective norms; PBC = perceived behavioral control; BI = behavioral intention; PT = perceived trust; PSQ = perceived service quality; UB = use behavior.