This study aims to analyze the effects of AA, IM, OCR, BI, and PE on PDs mediated by CR. This research adopts a quantitative approach using a survey method. This study employs a quantitative approach using a survey method. Data were collected through questionnaires from 332 respondents; however, only 324 valid responses from users of F&B applications in Indonesia were analyzed. The data were examined using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS 4. The results show that AA has a significant effect on CR. IM has a significant effect on CR. OCR have a significant effect on CR. BI has a significant effect on CR. PE has a significant effect on CR. CR has a significant effect on PDs. Furthermore, AA has a significant effect on PDs mediated by CR. IM has a significant effect on PDs mediated by CR. OCR have a significant effect on PDs mediated by CR. BI has a significant effect on PDs mediated by CR. PE has a significant effect on PDs mediated by CR.
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