Table 6 Indirect paths (mediation) analysis.

From: Communication dynamics: Fintech’s role in promoting sustainable cashless transactions

Path

Direct Effect (T-value)

Indirect Effect (T-value)

Total Effect (T-value)

VAF (%)

Mediation Level

Remarks

PE → IUCT → AUCT

0.199b (2.089)

0.162a (3.517)

0.361a (5.606)

0.449

Partial

H7a: ☑

EE → IUCT → AUCT

0.198a (3.801)

0.079a (4.293)

0.277a (8.094)

0.285

Partial

H7b: ☑

FC → IUCT → AUCT

0.221b (2.076)

0.154b (2.050)

0.375a (4.125)

0.410

Partial

H7c: ☑

PU → IUCT → AUCT

0.283a (3.445)

0.206a (3.023)

0.489a (6.468)

0.422

Partial

H7d: ☑

PV → IUCT → AUCT

0.244a (2.973)

0.136a (3.678)

0.379a (6.651)

0.358

Partial

H7e: ☑

  1. “a = p < 0.01; b = p < 0.05; ☑ indicates acceptance of hypothesis; VAF is variance accounted for, (VAF index >80%, between 20% and 80% and <20% indicates full, partial and no mediation, respectively).”