Table A3.

Outer loadings and cross-loadings for the measurement items.

	ATT	BI	CR	INT	NE	PEOU	PPP	PR	PU	TRU
ATT1	0.91	0.74	0.63	0.59	0.65	0.47	0.44	−0.21	0.57	0.62
ATT2	0.88	0.73	0.52	0.48	0.59	0.38	0.39	−0.22	0.55	0.56
ATT3	0.92	0.80	0.61	0.62	0.64	0.38	0.46	−0.24	0.51	0.54
BI1	0.71	0.82	0.41	0.45	0.52	0.31	0.42	−0.28	0.48	0.53
BI2	0.72	0.91	0.53	0.62	0.63	0.38	0.44	−0.20	0.48	0.48
BI3	0.78	0.92	0.55	0.64	0.64	0.39	0.41	−0.26	0.51	0.55
CR1	0.54	0.44	0.84	0.51	0.38	0.30	0.47	−0.22	0.30	0.48
CR2	0.62	0.55	0.89	0.61	0.49	0.32	0.58	−0.21	0.38	0.60
CR3	0.47	0.39	0.76	0.40	0.44	0.31	0.26	−0.04	0.30	0.30
CR4	0.49	0.47	0.81	0.52	0.53	0.38	0.35	−0.09	0.35	0.40
INT1	0.58	0.58	0.58	0.92	0.45	0.54	0.52	−0.08	0.50	0.52
INT2	0.62	0.61	0.55	0.91	0.52	0.53	0.51	−0.11	0.51	0.52
INT3	0.44	0.48	0.48	0.84	0.38	0.44	0.47	−0.07	0.37	0.49
INT4	0.55	0.59	0.59	0.84	0.52	0.44	0.40	−0.05	0.41	0.49
NE1	0.60	0.57	0.47	0.48	0.81	0.38	0.36	0.01	0.42	0.48
NE2	0.52	0.49	0.37	0.37	0.82	0.31	0.25	−0.15	0.33	0.37
NE3	0.61	0.66	0.57	0.56	0.84	0.38	0.35	−0.14	0.42	0.46
NE4	0.39	0.37	0.25	0.19	0.69	0.15	0.20	−0.19	0.19	0.18
NE5	0.47	0.43	0.32	0.26	0.72	0.18	0.29	−0.18	0.25	0.27
NE6	0.59	0.56	0.50	0.46	0.81	0.32	0.31	−0.19	0.33	0.40
PEOU1	0.32	0.27	0.25	0.42	0.32	0.83	0.21	0.08	0.45	0.25
PEOU2	0.44	0.40	0.37	0.54	0.37	0.91	0.32	−0.07	0.59	0.40
PEOU3	0.35	0.35	0.27	0.44	0.31	0.76	0.22	−0.15	0.34	0.30
PEOU4	0.30	0.25	0.35	0.34	0.21	0.65	0.18	−0.10	0.39	0.36
PPP1	0.33	0.29	0.44	0.37	0.27	0.29	0.80	−0.03	0.19	0.39
PPP2	0.40	0.37	0.43	0.43	0.31	0.25	0.88	−0.05	0.25	0.36
PPP3	0.42	0.41	0.45	0.47	0.32	0.23	0.90	−0.09	0.26	0.42
PPP4	0.45	0.50	0.49	0.54	0.39	0.28	0.92	−0.21	0.33	0.52
PPP5	0.48	0.51	0.50	0.56	0.40	0.29	0.93	−0.19	0.34	0.52
PR1	−0.19	−0.22	−0.10	−0.02	−0.08	−0.01	−0.08	0.82	−0.16	−0.18
PR2	−0.27	−0.29	−0.23	−0.14	−0.24	−0.15	−0.16	0.87	−0.24	−0.30
PR3	−0.15	−0.16	−0.09	−0.03	−0.04	0.02	−0.10	0.84	−0.15	−0.20
PU1	0.51	0.47	0.37	0.45	0.40	0.50	0.25	−0.19	0.83	0.43
PU2	0.40	0.33	0.26	0.35	0.26	0.44	0.17	−0.12	0.79	0.40
PU3	0.52	0.51	0.30	0.40	0.40	0.41	0.27	−0.18	0.86	0.48
PU4	0.55	0.52	0.36	0.47	0.39	0.46	0.31	−0.22	0.86	0.51
PU5	0.44	0.39	0.35	0.42	0.30	0.51	0.28	−0.19	0.72	0.33
TRU1	0.57	0.52	0.50	0.54	0.45	0.40	0.39	−0.24	0.54	0.86
TRU2	0.58	0.55	0.51	0.53	0.45	0.33	0.47	−0.32	0.42	0.88
TRU3	0.44	0.39	0.40	0.37	0.32	0.31	0.43	−0.14	0.38	0.79

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.