Model Unstandardized Coefficients Standardized Coefficients t Sig.
B Std. Error Beta
1 (Constant) 3.981 1.431   2.781 .007
AGE -.058 .128 -.031 -.450 .655
BI -.212 .112 .153 -.621 .067
ICTSKILL -.403 .171 .164 2.355 .022
PE .401 .083 .404 4.847 .000
EE -.098 .069 -.125 -1.426 .159
SI .472 .060 .693 7.817 .000
FC -.474 .079 -.627 -5.974 .000
TRUST .237 .177 .097 1.337 .187
ACCESS .816 .167 .483 4.890 .000
APPLICABILITY -.440 .148 .221 2.961 .005
Table 7: Multiple regression analysis.