marginally significantp < 0.10
As shown in Figure 2 and Table 3 , the effect of online payment was marginally significant ( β = −0.08, p < 0.10), but the direction is contrary to H3.
As shown in Figure 2 and Table 3 , the effect of online payment was marginally significant ( β = −0.08, p < 0.10), but the direction is contrary to H3.