Table 3.

Cronbach’s alpha, composite reliability, AVE, and the Fornell-Larcker test of the constructs.

	Cronbach’s Alpha	Composite Reliability	AVE	Fornell-Larcker Criterion
				ATT	BI	CR	INT	NE	PEOU	PPP	PR	PU	TRU
ATT	0.89	0.93	0.82	0.90
BI	0.86	0.92	0.78	0.84	0.88
CR	0.85	0.90	0.68	0.65	0.56	0.83
INT	0.90	0.93	0.77	0.63	0.65	0.63	0.88
NE	0.88	0.90	0.61	0.69	0.68	0.55	0.53	0.78
PEOU	0.80	0.87	0.63	0.45	0.41	0.39	0.56	0.39	0.79
PPP	0.93	0.95	0.79	0.47	0.48	0.52	0.54	0.39	0.30	0.89
PR	0.81	0.88	0.71	−0.25	−0.28	−0.18	−0.09	−0.16	−0.07	−0.14	0.84
PU	0.87	0.91	0.66	0.60	0.55	0.41	0.52	0.44	0.57	0.32	−0.23	0.81
TRU	0.80	0.88	0.72	0.63	0.59	0.56	0.58	0.49	0.42	0.51	−0.28	0.53	0.85

Note: ATT, attitude; BI, behavioral intention; CR, cognitive reputation; NE, network externalities; PEOU, perceived ease of use; PPP, perceived privacy protection; PR, perceived risk; PU, perceived usefulness; TRU, trust; INT, interactivity.