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Table 6 Influence of e-payment factors on consumers’ spending growth.

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

Model summary

R

R-square

Adjusted R-square

SE of the estimate

1

.521a

.272

.262

.64760

ANOVA

Sum of squares

df

Mean square

F

Sig.

1

 Regression

61.805

5

12.361

29.474

.000a

 Residual

165.655

395

.419

  

 Total

227.460

400

   

Coefficientsb

Unstandardized coefficients

Standardized coefficients

t

Sig.

B

SE

Beta

1

 (Constant)

1.323

.212

 

6.247

.000

 Awareness

.225

.055

.285

4.060

.000

 Convenience

.079

.068

.088

1.168

.244

 Security and safety

− .044

.059

− .044

− .752

.452

 Trust

.189

.057

.179

3.330

.001

 Social influence

.182

.047

.182

3.859

.000

  1. aPredictors: (constant), social influence, awareness (usage), trust, security and safety, convenience
  2. bDependent variable: consumers’ spending growth