| 前因变量 | 频率 | 前因变量 | 频率 |
| Convenience 便利性 | 4 | Digital Literacy 数字素养 | 1 |
| Perceived Ease of Use 感知易用性 | 4 | Effort Expectancy (EE) 预期工作量 | 1 |
| Service Quality 服务质量 | 4 | Experienced Risk 预期风险 | 1 |
| Trust 信任 | 4 | Hedonic Motivation (HM) 享乐动机 | 1 |
| Awareness 认知 | 3 | Image 形象 | 1 |
| Compatibility 兼容性 | 3 | Information Gaining 信息获取 | 1 |
| Information quality 信息质量 | 3 | Need for Interaction 互动需求 | 1 |