### Hypotheses Testing  
In this study, hypothesis testing used the two-tailed method, with a significance level of 0.05, in accordance with general standards in scientific research [47]. The two-tailed method is used to determine whether there is a significant difference or relationship either positively or negatively. A significance level of 0.05 indicates that we have 95% confidence in the test results. Furthermore, the minimum t-values of 1.96 indicate the critical limit where if the t-values of the actual test exceed this number, then we can reject the null hypothesis. Meanwhile, the maximum \(p\)-values of 0.05 indicate the significance limit, and if the \(p\)-values of the actual test are lower than this number, then the null hypothesis can be rejected.  
Table 16 shows the results of hypothesis testing for this study. Based on the t-statistics and \(p\)-values of the results of testing the hypothesis of this study, the following conclusions can be drawn:  
* **H1**: Perceived Ease of Use -> Perceived Usefulness The hypothesis is **accepted**; there is a significant positive relationship between perceived ease of use and perceived usefulness.
* **H2**: Perceived Ease of Use -> Attitude The hypothesis is **accepted**; there is a significant positive relationship between perceived ease of use and attitude.
* **H3**: Perceived Usefulness -> Perceived Security The hypothesis is **accepted**; there is a significant positive relationship between perceived usefulness and perceived security.  
\begin{table}
\begin{tabular}{c l c} \hline  & **Likert Scale Answer** & **Percentage** \\ \hline UI2 & Strongly Agree & 15.8\% \\ \hline  & Agree & 39.5\% \\ \hline  & Neutral & 32.9\% \\ \hline  & Disagree & 7.9\% \\ \hline  & Strongly Disagree & 3.9\% \\ \hline UI3 & Strongly Agree & 28.9\% \\ \hline  & Agree & 42.1\% \\ \hline  & Neutral & 23.7\% \\ \hline  & Disagree & 1.3\% \\ \hline  & Strongly Disagree & 3.9\% \\ \hline UI4 & Strongly Agree & 22.4\% \\ \hline  & Agree & 28.9\% \\ \hline  & Neutral & 30.3\% \\ \hline  & Disagree & 15.8\% \\ \hline  & Strongly Disagree & 2.6\% \\ \hline \end{tabular}
\end{table}
Table 15: _Cont._* **H4**: Perceived Usefulness -> Attitude The hypothesis is **accepted**; there is a significant positive relationship between perceived usefulness and attitude.
* **H5**: Perceived Security -> Perceived Trust The hypothesis is **accepted**; there is a significant positive relationship between perceived security and perceived trust.
* **H6**: Innovativeness -> Attitude The hypothesis is **accepted**; there is a significant positive relationship between innovativeness and attitude.
* **H7**: Innovativeness -> Usage Intention The hypothesis is **accepted**; there is a significant positive relationship between innovativeness and usage intention.
* **H8**: Perceived Trust -> Usage Intention The hypothesis is **accepted**; there is a significant positive relationship between perceived trust and usage intention.
* **H9**: Attitude -> Usage Intention The hypothesis is **accepted**; there is a significant positive relationship between Attitude and Usage Intention.
* **H10**: Perceived Control -> Usage Intention The hypothesis is **rejected**; there is no significant relationship between perceived control and usage intention.
* **H11**: Subjective Norm -> Usage Intention The hypothesis is **rejected**; there is no significant relationship between subjective norm and usage intention.
* **H12**: Perceived Control -> Perceived Ease of Use The hypothesis is **accepted**; there is a significant positive relationship between perceived control and perceived ease of use.