Variables;Skewness;;Kurtosis; Statistic;"Std. error";;Statistic;"Std. error"; "Awareness of IB";–1.554;0.121;;2.987;0.241; "Product knowledge";–1.795;0.121;;3.114;0.241; "Relative advantage";–1.579;0.121;;3.562;0.241; "Social norms";–1.445;0.121;;1.980;0.241; "Perceived trust in IB";–1.803;0.121;;3.555;0.241; "Adoption of IBS";–1.583;0.121;;4.315;0.241;