Table 4.

HTMT.

Construct	1	2	3	4	5	6	7	8	9
1. Continuance Intention
2. ICT Skill	0.629
3. ICT Infrastructure	0.685	0.751
4. Perceived Usefulness	0.820	0.700	0.697
5. Perceived Ease of Use	0.602	0.588	0.571	0.663
6. System Quality	0.678	0.651	0.604	0.639	0.613
7. Information Quality	0.773	0.641	0.689	0.879	0.668	0.728
8. Top Management Support	0.701	0.505	0.707	0.585	0.502	0.602	0.718
9. Service Quality	0.654	0.524	0.652	0.677	0.723	0.638	0.846	0.632