Table 2.

Measurement model assessment for the entire sample.

Variable and Measurement items	Factor-item loading	CR	α	AVE
Effort Expectancy (EE)		0.891	0.837	0.674
EE1	0.745
EE2	0.850
EE3	0.849
EE4	0.835
Performance Expectancy (PE)		0.941	0.916	0.800
PE1	0.879
PE2	0.918
PE3	0.881
PE4	0.898
Social Norm (SN)		0.914	0.858	0.778
SN2	0.897
SN3	0.924
SN4	0.823
Hedonic (HB)		0.965	0.946	0.901
HB1	0.955
HB2	0.947
HB3	0.949
Intention to use (IN)		0.932	0.902	0.774
IN1	0.904
IN2	0.870
IN3	0.899
IN4	0.845