Table 4 Structural equation modeling (SEM) analysis results

H1a: Optimism → Perceived ease of use

.61

15.19***

Supported

0.42

H1b: Optimism → Perceived usefulness

.35

6.75***

Supported

0.15

H1c: Optimism → Perceived enjoyment

.63

15.26***

Supported

0.53

H1d: Optimism → Perceived fit

.51

9.44***

Supported

0.30

H2a: Innovativeness → Perceived ease of use

.18

3.99***

Supported

0.03

H2b: Innovativeness → Perceived usefulness

.09

2.07*

Supported

0.01

H2c: Innovativeness → Perceived enjoyment

.22

5.21***

Supported

0.06

H2d: Innovativeness → Perceived fit

.30

6.10***

Supported

0.10

H3a: Discomfort → Perceived ease of use

− .10

2.26*

Supported

0.01

H3b: Discomfort → Perceived usefulness

− .13

3.07**

Supported

0.03

H3c: Discomfort → Perceived enjoyment

− .13

3.05**

Supported

0.02

H3d: Discomfort → Perceived fit

− .03

0.67

Rejected

0.00

H4a: Insecurity → Perceived ease of use

.07

1.60

Rejected

0.01

H4b: Insecurity → Perceived usefulness

.04

1.24

Rejected

0.00

H4c: Insecurity → Perceived enjoyment

.05

1.39

Rejected

0.01

H4d: Insecurity → Perceived fit

.04

1.02

Rejected

0.00

H5: Perceived ease of use → Perceived usefulness

.48

10.11***

Supported

0.35

H6: Perceived ease of use → Attitude

.02

0.45

Rejected

0.00

H7: Perceived usefulness → Attitude

.22

3.68***

Supported

0.04

H8: Perceived enjoyment → Attitude

.43

6.51***

Supported

0.12

H9: Perceived fit → Attitude

.22

3.92***

Supported

0.06

H10: Attitude → Purchase intention

.84

51.25***

Supported

2.66

Purchase experience → Attitude

.12

2.13*

0.01

Purchase experience → Purchase intention

.22

3.98***

0.03