Table 2 Odds ratio (OR), standard error (SE) and coefficient estimates of acceptance factors on intention to use

Gender/female

0.75 (0.46–1.23)

.26

-0.28

.251

Perceived usefulness

4.61 (2.98–7.13)

 < .001

1.53

.223

Perceived ease of use

4.09 (2.63–6.37)

 < .001

1.41

.226

Attitude toward use

8.31 (4.79–14.43)

 < .001

2.12

.282

Subjective norm

1.47 (1.13–1.92)

.005

0.39

.136

Sense of control

3.38 (2.38–4.81)

 < .001

1.22

.180

Feelings of anxiety

0.59 (0.44–0.78)

 < .001

-0.54

.148

Personal innovativeness

1.94 (1.46–2.59)

 < .001

0.67

.147

Social relationship

1.91 (1.19–3.06)

.007

0.65

.240

Self-perceived effectiveness

2.74 (1.90–3.94)

 < .001

1.01

.186

Service availability

3.38 (2.25–5.07)

 < .001

1.22

.207

Facilitating circumstances

2.52 (1.79–3.55)

 < .001

0.92

.175

Finance

1.02 (0.77–1.35)

.92

0.02

.143