Adopt Mobile Banking With Theory of Trying and General Self Confidence

Indirect effect analysis is useful for testing the hypothesis of the indirect effect of an influencing variable (exogenous) on the affected variable which is mediated/mediated by an intervening variable (mediating variable). If the P-Values <0.05 then it is significant. This means that the mediator variable, mediates the effect of an exogenous variable on an endogenous variable, in other words the effect is indirect. If the P-Value is > 0.05, it is not significant. This means that the intermediary variable does not mediate the effect of an exogenous variable on an endogenous variable. In other words, the influence is direct (Juliandi, 2018)

a. Characteristics of respondents Table 2 Characteristics of Respondents