By comparison, the model shows that for both genders while the association between Formal information trust and Understanding was positive this association was stronger amongst females (b = 0.50) than males (b = 0.25); the association between Informal information trust and Understanding was weakly positive in males (b = 0.12) but weakly negative in females (b = 20.14), and; the association between Understanding and Self-efficacy was positive (b = 0.12) in males but non-significant in females (b = 20.01).