The results show that increased perceived social pres-
ence has a positive and significant impact on PU, trust
and enjoyment for both men and women. However, per-
ceived social presence did not have a significant direct
impact on loyalty of an e-Services website for men, while
it did for women. Similarly enjoyment does not have a
significant impact on e-Services website loyalty for men,
while it does for women. Thus, hypotheses H9 and
H10 are supported. Table 5 provides the t-values of path
coefficients and summarizes our hypotheses testing
results.