| 中介变量 | 频率 | 中介变量 | 频率 |
| Satisfaction(SAT) 满意度 | 9 | Customer Service 用户服务 | 1 |
| Perceived Usefulness (PU) 感知有用性 | 7 | Experienced Advantage of Mobile Banking 体验移动银行的优势 | 1 |
| Attitude(ATT) (对移动银行的)态度 | 6 | Microcomputer Playfulness (MCP) 微机游戏性 | 1 |
| Intention to Use 使用意向 | 3 | Perceived Quality 质量感知 | 1 |
| Trust 信任 | 3 | Perceived Behavioral Control 感知行为控制 | 1 |
| Perceived Ease of Use 感知易用性 | 2 | Perceived value 价值感知 | 1 |
| Attitudinal loyalty toward service 对服务和忠诚的态度 | 1 | Personal Innovativeness (PIIT) 个人创新 | 1 |
| Behavioral Intention (BI) 行为意图 | 1 | Usage 使用 | 1 |
| Confirmation 确认 | 1 |
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