Electronic payment adoption and consumers’ spending growth: empirical evidence from Nigeria

Future Business Journal

Table 10 Hierarchical regression analysis for socio-demographic variables mediation

Model	R	R-square	Adjusted R-square	SE of the estimate
1	.335^a	.112	.096	.71690
2	.332^b	.110	.097	.71671

Coefficients^c
Model	Unstandardized coefficients		Standardized coefficients	t	Sig.
Model	B	SE	Beta	t	Sig.
1
(Constant)	3.604	.302		11.945	.000
Sex	.276	.087	.173	3.182	.002
Age	− .147	.069	− .155	− 2.146	.032
Marital status	.032	.103	.021	.313	.755
Highest academic qualification	.065	.069	.045	.939	.348
Occupation status	− .179	.032	− .286	− 5.635	.000
Year of experience	.021	.068	.017	.314	.753
Monthly income	− .046	.052	− .048	− .890	.374
2
(Constant)	3.545	.294		12.043	.000
Sex	.287	.086	.180	3.355	.001
Age	− .160	.067	− .169	− 2.380	.018
Marital status	.029	.103	.019	.281	.779
Highest academic qualification	.061	.069	.043	.887	.376
Occupation status	− .175	.031	− .281	− 5.571	.000
Year of experience	.016	.067	.013	.234	.815

^aPredictors: (constant), monthly income, highest academic qualification, occupation status, year of experience, sex, marital status, age
^bPredictors: (constant), highest academic qualification, occupation status, year of experience, sex, marital status, age
^cDependent variable: consumers’ spending growth
^dPredictors in the model: (constant), highest academic qualification, occupation status, year of experience, sex, marital status, age