seen  that  the  relationship  between  perceived 
usefulness  and  attitude  towards  use  is  0.9  with 
significance.  Secondly,  accessibility  remains  the 
strongest  determinant  to  perceived  usefulness. 
Accessibility  is  the  only  factor  that  has  a  strong 
positive influence on perceived usefulness. Secondly, 
it  is  the  only  factor  that  directly  has  a  strong 
relationship  with  Attitude  towards  use  without  a 
mediator. From then on, it is clearly seen that PU has 
a  strong  positive  relationship  with  AU  with  a 
significant value of 0.88, AU also has a strong 
positive relationship with BI with a value of 0.90 and 
BI also has a moderate relationship with the resultant 
variation with a regression weight of 0.50. 
 
χ
2
 (Chi-square) = 176.7, df (Degree of Freedom) = 113, SRMR 
= 0.03, RMSEA  = 0.95, χ
2
/df ratio = 1.56, CFI = 0.98, GFI = 
0.95, IFI = 0.98, TLI = 0.98 NFI = 0.96                                       
Figure 4: Stage One: Measurement Model. 
6  CONCLUSIONS 
In conclusion, the study shows that accessibility has 
direct positive influence on both perceived usefulness 
and  attitude  toward  use.  The  main  constructs 
perceived  usefulness  and  attitude  towards  use  also 
showed  strong  relationship  toward  behavioural 
intention  to  use.  The  findings  provide  a  clear 
relationship between SN and PU, SN and AU, PV and 
AU, and further shows that all the other relationships 
are significant. Therefore, it implies  that hypothesis 
H1b, H1c, H2b, H3, H5, H5, and H6 are significant. 
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