## 5 Discussion of Findings
\begin{table}
\begin{tabular}{c c c c c c c c} \hline \hline
**Endogenous** & **Exogenous** & \begin{tabular}{c} **Standardized** \\ **Direct Effect** \\ \end{tabular} & \(p\) & \
\begin{tabular}{c} **Standardized** \\ **Indirect Effect** \\ \end{tabular} & \(p\) &
\begin{tabular}{c} **Standardized** \\ **Total Effect** \\ \end{tabular} & \(p\) \\ \hline AT & PEOU & 0.496 & 0.03 & 0.201 & 0.004 & 0.697 & 0.03 \\  & PU & 0.458 & 0.005 & - & & 0.458 & 0.005 \\  & SI & - & & 0.324 & 0.02 & 0.324 & 0.02 \\  & TR & - & & 0.436 & 0.01 & 0.436 & 0.01 \\  & CI & - & & 0.071 & 0.004 & 0.071 & 0.004 \\  & CR & - & & 0.003 & 0.02 & 0.003 & 0.02 \\  & UC & - & & 0.006 & 0.05 & 0.006 & 0.05 \\  & FA & - & & 0.023 & 0.04 & 0.023 & 0.04 \\ \hline BI & AT & 0.927 & 0.01 & - & & 0.927 & 0.01 \\  & SI & - & & 0.349 & 0.02 & 0.349 & 0.02 \\  & TR & - & & 0.362 & 0.01 & 0.362 & 0.01 \\  & CI & - & & 0.072 & 0.005 & 0.072 & 0.005 \\  & CR & - & & 0.005 & 0.03 & 0.005 & 0.03 \\  & UC & - & & 0.009 & 0.04 & 0.009 & 0.04 \\  & FA & - & & 0.025 & 0.06 & 0.025 & 0.06 \\  & PEOU & - & & 0.592 & 0.01 & 0.592 & 0.01 \\  & PU & - & 0.407 & 0.004 & 0.407 & 0.004 \\ \hline \hline \end{tabular}  
* UM: user mode; CR: cyber-resilience; CI: cognitive instrumentals; LTO: long-term orientation; TR: trust; SI: social influence; PEOU: perceived ease of use; PU: perceived usefulness; AT: attitude; BI: behavioral intention.  
\end{table} 
Table 6: _Cont._Internet consumer trust influenced both PU and PEOU. Additionally, [PERSON] et al. [59] found evidence that PEOU either fully or partially mediates the influence of trust in IoT on intention to explore. Facilitated appropriation was measured by long-term orientation and flexibility. It had a statistically significant indirect effect on attitude through perceived usefulness. This translates to an upswing of behavioral intention towards IoT products and applications. It is proven that PU is significantly influenced by cognitive instrumentals leading to a more positive attitude perception towards IoT products and applications and therefore a higher behavioral intention. Many of the researchers who have investigated consumers' adoption of IoT technologies have incorporated factors that address the social aspect of adopting new technologies and found significant effects from social influence [60]. In our research, social influence was found to influence PEOU and PU, which in turn influence attitude, which forms behavioral intention. IoT products and applications can be viewed both as fashion products that have aesthetic attributes and could offer consumers the chance to express their characters and values. Our results corroborate with previous research, for example, the significant effect of social influences on behavioral intention to use smartwatches was confirmed by [PERSON] et al. [61], signifying the significant effect of cultural appeal on customers' attitude and intention to use. Trust was also found to significantly influence behavioral intention towards IoT products and applications. Specifically, it can be suggested that higher levels of trust lead to higher levels of PEOU. Cyber resilience, cognitive instrumentals, social influence and trust, all with different significance rates, prove to be the predicting factors that form the IoTAM. User character and cyber resilience channel a mediating process of facilitated appropriation, where the positive interaction of perceived attitude leads to a positive behavioral intention towards IoT products and applications. The probative value of this result substantiates the fact that when consumers experience an IoT product or application, resilience, as a psychological factor, triggers their problem-solving ability and motivation to deal with emotional stress. To be resilient and adaptive to their new asset, they must find an adaptation solution. An adaptation solution is changing their current way of interacting with the product or applications.