highly significantp < 0.001
Similarly, effort expectancy (EE) was found to have a direct significant relationship with BI, showing a highly significant path coefficient (β = 0.783, t = 19.126, p < 0.001) and supporting H3, but failed to show a significant relationship with AIAT adoption (β = 0.045, t = 0.469, p = 0.639), rejecting H4.