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In terms of use of mobile banking, considering the same assumptions, the best predictors are: (i) intention, and (ii) performance expectancy.
Although we-intentions are held only by individuals, they are not reducible to I-intentions; in other words, a we-intention is not merely the sum of a certain number of I-intentions.
The we-intention to run a set piece in football is not equivalent to the sum of I-intentions to run, kick, or head; and the we-intention to perform a symphony is not equivalent to the sum of I-intentions to play a certain sequence of notes on a certain instrument.
Collective intentions, or "we-intentions," entail the existence of individual intentions, or "I-intentions," because a person cannot intend that he and others do something without also intending that he do his part (and because there is no distinct entity, over and above the individual, that could be said to be the bearer of a collective intention).
From Searle's perspective, Tuomela and Miller are right in not positing the existence of a form of intentionality that somehow transcends individuals' minds, but they go wrong in claiming that we-intentions can be reduced to I-intentions plus beliefs.
Primary I-referential intentions are different from we-derivative I-referential intentions in that the content of the latter are contributions to joint actions.
A = Attitude; SN = Social norm; B = Barriers, K = Knowledge; I = Intention; BP = Behaviour: process; BA = Behaviour: assessment.
Is your intention clear?
I had good intentions".
"I reiterate my intentions.
"I question her intentions," he said.
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Since I tried Ludwig back in 2017, I have been constantly using it in both editing and translation. Ever since, I suggest it to my translators at ProSciEditing.

Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com