Understanding the Effects of a Modified Theory of Planned Behavior That Includes Privacy and Security on Continuance Intention of Telehealth Services

Abstract

Most studies in telehealth focus on telehealth availability or use by healthcare systems or providers. Only a few behavioral studies explore determinants of individuals’ continuance intention for telehealth.

This study seeks to identify factors that encourage individuals to continue the intention of using telehealth. We extended the Theory of Planned Behavior (TPB) by examining constructs that could identify reasons individuals plan to continue using telehealth including security and privacy.

A cross-sectional survey evaluated the determinants that predicted the continuance intention of telehealth. Responses from 194 individuals were analyzed with Partial Least Squares (PLS) Structural Equation Modeling. Perceived usefulness, security, attitudes, privacy, and subjective norms were important predictors of the continuance intention of telehealth. Conversely, perceived behavioral control did not influence the continuance intention of telehealth.

The extended TPB model predicted an individual's continuance intention of telehealth. Healthcare professionals can use these results to address individuals’ telehealth privacy and security concerns and improve their perceptions of the usefulness of telehealth. Privacy and security concerns create barriers to telehealth use that must be reduced to facilitate repeated telehealth usage in future healthcare settings.

Introduction

Initially, telehealth use was primarily limited to facilitating medical care in rural and underserved areas. Pre-COVID-19, telehealth use expanded with the shift to patient and quality outcomes as well as cutting costs.¹ During the COVID-19 pandemic, telehealth visits were often the choice for most routine physician visits. Bestsennyy, Gilbert, Harris and Rost² indicated that telehealth use increased from 19 percent pre-COVID-19 to 46 percent during the pandemic. Kaiser Family Foundation³ predicts that telehealth usage in the United States (US) will continue in the post-COVID-19 era.

According to Medicaid.Gov⁴ telehealth provides a low-cost, convenient alternative to face-to-face office visits. Telehealth use increases provider access, reduces travel costs and wait times, and improves continuity of care.⁵ Other researchers projected a potential $200 billion reduction in the cost of healthcare from the use of telehealth to manage chronic disease via remote monitoring of medical devices.⁶

However, many barriers to telehealth adoption exist including those related to users’ concerns about their healthcare data privacy and security,⁷ and the usefulness of telehealth.⁸ Most research studies on telehealth have concentrated on availability, telehealth use by healthcare systems, or telehealth use by healthcare providers. Few behavioral studies explore determinants of the individual's intention to use or continuance intention of telehealth. The purpose of this study was to explore factors that can encourage individuals to use telehealth by identifying individuals’ telehealth concerns and improving their perceptions of the usefulness of telehealth.

Background

Theory of Planned Behavior

TPB is based on the social cognitive Theory of Reasoned Action (TRA). Ajzen and Fishbein⁹ introduced the TRA to assess what motivates an individual to behave in a certain manner based on their intention, attitudes, and subjective norms. According to TRA, an individual's actions are influenced by their intention to act. The individual's intentions are determined by their attitude, which is their belief that the outcome will be favorable or beneficial, and by the level of “social pressure” (subjective norm) compelling them to complete the task.

Ajzen¹⁰ added perceived behavioral control to the TRA resulting in the TPB. The TPB has been used to explore the pathways among attitude, perceived behavior control, subjective norms, and the intention to use various healthcare systems. Bell¹¹ predicted the intention to use a web-based medical appointment scheduling system at a primary care medical clinic with the TPB. During the COVID-19 pandemic, Ramírez-Correa, Ramírez-Rivas, Alfaro-Pérez and Melo-Mariano¹² used the TPB to predict the intention to use telemedicine. TPB is suitable for this study because one purpose of the study is to explore the determinants of an individual's continuance intention of telehealth. While individuals may adopt technology, their continuance intention is a better measure as it determines their decision to sustain that use of the technology rather than just using it once or only when required.¹³ For example, Wang, Wang, Liang, Nuo, Wen, Wei, Han and Lei¹³ identified antecedents to the continuance intention of mHealth in their metanalysis/systematic review. We believe it is important to ensure that individuals are going to continue to use the tool (continuance intention) rather than a one- or two-time use as required by an event such as the COVID-19 pandemic.

Hypothesis Development

In a novel approach, we extended the TPB model by incorporating usefulness, privacy beliefs, and security concerns into the model to determine how these constructs impact the causal pathways shown in Figure 1. Few studies have included these constructs in theoretical models for the continuance intention of telehealth.

Figure 1.

Model for Continuance Intention of Telehealth

Chau and Hu⁸ found that usefulness positively affected attitudes when exploring the adoption of telehealth by healthcare professionals. Hsieh et. al¹⁴ concluded that usefulness had a positive effect on attitudes toward the adoption of adoption electronic health record exchanges. Thus, we add the hypothesis:

H1: Usefulness positively influences an individual's attitude toward using telehealth services.

Security concerns are the unease that one feels about whether their protected health information is vulnerable to risks that could disclose the information and whether protective actions are taken to guard against these threats.¹⁵ Privacy is defined as an individual's belief that their protected health information will only be accessed by those with a “need to know.”^{16, 17} Several prior researchers determined that security directly impacted an individual's intent to adopt m-payment systems.¹⁸ Both Kisekka et al.¹⁹ and Moqbel, Hewitt, Nah and McLean¹⁵ determined that security concerns negatively impacted an individual's intention to use an e-health portal. Other researchers noted that security impacted privacy when exploring physicians’ willingness to adopt telehealth.²⁰ For example, Elkefi and Layeb⁷ investigated the benefits and challenges of telemedicine adoption for patients and caregivers after the COVID-19 pandemic and determined that security and privacy were important when studying the usability of telehealth tools. Smith, Smith, Kennett and Vinod²¹ found technology barriers, including security concerns, when evaluating the telehealth use of cancer patients. Houser, Flite and Foster²² recognized security as a challenge using telehealth. This study measured security as a risk that would be perceived as having a negative influence on an individual's continuance intention of telehealth.¹⁵

Thus, we propose the following hypothesis:

H2: Perceived security concerns negatively influence an individual's privacy concerns about telehealth.

Attitude is present in the original TPB. Attitude refers to whether an individual feels that the outcome will favor them. Ramírez-Correa, Ramírez-Rivas, Alfaro-Pérez and Melo-Mariano¹² established that the TPB significantly predicted behavioral intention to use telehealth, with attitude having the strongest influence on behavioral intentions. Using the TPB, Kisekka, Goel and Williams¹⁹ determined that the strongest predictor of intent to use an e-health portal was attitude. Thus, we posit the following hypothesis:

H3: Attitude positively influences an individual's continuance intention of telehealth services.

Privacy concerns negatively impact an individual's intention to use an e-health portal.¹⁹ Pool, Akhlaghpour, Fatehi and Gray²³ determined that elderly patients were less likely to adopt and use telehealth due to privacy concerns. Hirani, Rixon, Beynon, Cartwright, Cleanthous, Selva, Sanders and Newman²⁴ found that expressed privacy concerns affected whether individuals with chronic conditions used telemedicine. Zhang, Guo, Guo and Lai²⁵ found that privacy concerns positively impacted usefulness. While these studies explore how privacy impacts one's use of telehealth, we believe that privacy beliefs will directly impact whether an individual will continue to use telehealth and will test the following hypothesis.

H4: Privacy beliefs positively influence an individual's continuance intention of telehealth.

Subjective norms are the social pressures that induce individuals to take actions that meet with the approval of their peers or the approval of society. Thus, if an individual believes that society approves of their intended actions, they are more likely to perform those actions. Kisekka, Goel and Williams¹⁹ used the TPB and determined that subjective norms strongly predicted the intention to use telehealth. Ramirez-Rivas, Alfaro-Perez, Ramirez-Correa and Mariano-Melo²⁶ determined that subjective norms strongly influenced the intention to use telemedicine. Thus, we add this hypothesis:

H5: Subjective norm positively influences an individual's continuance intention of telehealth services.

Ajzen¹⁰ Ajzen²⁷ suggested that perceived behavioral control impacted the intent to perform different behaviors. Self-efficacy represents “beliefs in one's capabilities to organize and execute the courses of action required to produce a given attainment.”²⁸ Often used in the TPB, perceived behavioral control is defined as “a person's perception of the ease or difficulty of performing the behavior of interest.”⁹ Researchers have determined that self-efficacy influences perceived usefulness when examining the intention to use internet banking³⁰ or mobile payment systems. We posit that perceived behavior control influences perceived usefulness.^30-32 Accordingly, we propose the following hypothesis:

H6: Perceived behavioral control positively influences an individual's perceived usefulness of telehealth.

Methods

This cross-sectional survey study explores the factors influencing individuals’ continuance intention of telehealth.

Measures

The measures for usefulness were modified from Davis³³ Privacy and security constructs were altered from studies by Dinev and Hart³⁴ and the remaining constructs were adapted from prior TPB studies including those by Ajzen¹⁰

Data collection

After receiving approval from the Internal Review Board, Qualtrics Survey Service provided a panel of individuals who completed the survey utilizing our requirements. The data was collected by Qualtrics in mid-2022. Specifically, we requested survey respondents from a general population of US residents over the age of 18. We requested respondents from only one country (i.e., the US) because residents of other countries may have different perceptions of privacy. Using our specifications, Qualtrics distributed email links to a random sample of their pool who were over age 18 from the US. Qualtrics literature indicates they take steps to prevent selection bias by following up with non-responsive participants. No identifiable information was collected from the participants. The anticipated demographics were a random sample of US residents. We obtained informed consent by using a click online button within the Qualtrics survey.

Statistical Analysis

The survey construct data was analyzed using Smart PLS (Partial Least Squares) 4.0 because our predictive model was comprised of latent variables.³⁵ Demographic data was analyzed with R statistical software version 4.1.2.³⁶ The response rate is unknown. There were 194 valid responses from individuals over age 18 and living in the US that were analyzed. To ensure that our sample size was sufficient, we used Soper's³⁷ Post-Hoc Statistical Power for Multiple Regression calculator. Soper's³⁷ calculator indicated that our sample size was more than efficient based on our number of latent variables (n = 6), our R² of .50, and our sample size of 194. See Appendix A for the survey questions.

Results

Demographics

Survey respondents included 94 females (48 percent), 99 males (51 percent), and one other (1 percent). Approximately 23.7 percent of the respondents were represented by groups ages 18-34, and the 35-50 age group accounted for 34.5 percent. The largest age group was over age 50 (41.8 percent). The largest percentage of participants held a baccalaureate degree (31.4 percent), followed by those with a high school degree (17.5 percent). The majority were employed (60.3 percent). Most had a primary care physician (95.4 percent), and 88.1 percent reported having regular doctor's visits. Table 1 presents demographic information about respondents.

Table 1.

Demographic Information

Characteristics	Number	Percentage (%)
Age, years
18-34	46	23.7
35-50	67	34.5
Over 50	81	41.8
Education (highest level)
Less than High School	3	1.6
High school graduate	34	17.5
Some college	22	11.3
2-year degree	29	15.0
4-year degree	61	31.4
Master's degree	33	17.0
Professional Degree	5	2.6
Doctorate	7	3.6
Gender
Female	94	48.5
Male	99	51.0
Other	1	0.5
Employment Status
Full-time	117	60.3
Part-time	29	15.0
Unemployed	48	24.7
Employment Industry
Education	11	5.7
Financial Services	15	7.7
Healthcare	15	7.7
IT/Computing	33	17.0
Professional and Business Services	10	5.2
Retail	17	8.8
Other	93	47.9
Household Income
Less than $10,000	7	3.6
$10,000 - $99,999	22	11.3
$30,000 - $49,999	41	21.1
$50,000 - $69,999	28	14.4
$70,000 - $89,999	29	15.0
$90,000 - $149,999	44	22.7
More than $150,000	23	11.9
Primary Care Physician
Yes	185	95.4
No	9	4.6
Regular Doctor Visits
Yes	171	88.1
No	23	11.9

Next, study demographics are considered in comparison to the US Census 2021 data³⁸ and the US Census education table.³⁹ The demographic age groups and percentages for the study respondents were 20-34 (23.7 percent) and 35-50 (34.5 percent), in comparison with the most similar Census findings the group percentages are 20-34 (20.0%) and 35-54 (25.5%). Regarding education above high school, the US Census reports high school graduates (28.3 percent), some college (17.1 percent), associate degree (9.9 percent), 4-year degree (22.2 percent), master's degree (9.6 percent), and doctorate (1.9 percent). As expected, the current study had more respondents with associate, bachelor, master, and doctorate degrees than the US Census.

When comparing gender to the US population, Census data showed that 54.9 percent of the population are females and 45.1 percent are males. By comparison, females made up 48.5 percent of the respondents in this study, which was lower than the population, but 51 percent were males. When examining the employment rate for study respondents, 75.3 percent were employed, and 24.7 percent were unemployed. Census results for over 16 years in the civilian labor force reported lower employment (59.6 percent). There were 65.4 percent reporting annual household income less than or equal to $89,999. In similar categories, the Census found 64.2 percent reported income less than or equal to $99,999.

Measurement Model

Before analyzing the model, we assessed the constructs and survey questions for reliability and validity. To establish convergent validity, we removed items with factor loadings less than 0.70 and utilized a stepwise approach.⁴⁰ A full collinearity assessment determines whether a model violates the common method bias (CMB) principles, which is variance attributed to constructs measured with the same method (e.g., the survey method). The concern is that CMB introduces false effects related only to the measurement instrument when we seek to measure the effects related to the construct being measured. Therefore, items with a variance inflation factors (VIF) value greater than 5 were removed;⁴¹ see the Factor Loadings and VIF Table located in Appendix B.

Next, we evaluated the convergent validity. Examining Table 2, we note that Cronbach's alpha and composite reliability for all items were greater than 0.70 as recommended by Nunally and Bernstein.⁴² These results indicate the conditions for convergent validity are met. We used two tests to confirm discriminant validity. First, the Average Variance Extracted (AVE) values are all above 0.05.⁴³ Discriminant validity was also confirmed using the Fornell-Locker Criterion by verifying that the square root of every AVE value for each latent construct, located on the table diagonal, was larger than the correlations with the other constructs as shown in Table 2. The results in this section offer evidence that the constructs and survey questions are reliable and valid.

Table 2.

Construct reliability and validity

						VIF Squared
	Cronbach's Alpha	rho_A	Composite Reliability		Average Variance Extracted (AVE)
Attitude	Continuance Intention	. Usefulness	Perceived Behavior Control	Privacy Beliefs	Security Concerns	Subjective Norm
Attitude	0.88	0.90	0.92		0.69	0.83
Continuance Intention	0.93	0.93	0.94		0.77	0.61	0.88
Useful	0.84	0.86	0.89		0.67	0.74	0.70	0.82
Perceived Behavior Control	0.75	0.78	0.86		0.66	0.60	0.50	0.54	0.82
Privacy Beliefs	0.86	0.88	0.90		0.70	0.52	0.57	0.63	0.48	0.84
Security Concerns	0.88	0.89	0.93		0.81	-0.18	-0.18	-0.22	-0.12	-0.37	0.90
Subjective Norm	0.74	0.80	0.85		0.67	0.18	0.26	0.11	0.16	0.11	0.15	0.82

Hair, Hult, Ringle and Sarstedt⁴⁴ recommend assessing discriminant validity with the Heterotrait-Monotrait Ratio of Correlations (HTMT) as shown in Table 3. The HTMT ratio correlations are all less than 0.90, confirming discriminant validity.

Table 3.

Heterotrait-Monotrait Ratio of Correlation

	Attitude	Continuance intention	Perceived Behavior Control	Privacy Beliefs	Security Concerns	Subjective Norm	Usefulness
Attitude
Continuance intention	0.661
Perceived Behavior Control	0.720	0.584
Privacy Beliefs	0.589	0.627	0.585
Security Concerns	0.405	0.426	0.387	0.658
Subjective Norm	0.232	0.394	0.379	0.109	0.569
Useful	0.840	0.782	0.654	0.726	0.494	0.202

Hypothesis Results

The study results demonstrated that the respondents were influenced to use telehealth by all factors in the study except perceived behavior control. Specifically, usefulness affected attitude, and security concerns influenced privacy. Attitude, privacy beliefs, and subjective norms impacted continuance intention. These results are shown in Table 4, and Figure 2.

Table 4.

Hypothesis Results

	Original Sample (O)	Sample Mean (M)	Standard Deviation (STDEV)	T Statistics (|O/STHEV|)	P Values	Hypothesis
Useful à Attitude	0.74	0.75	0.05	16.48	0.00	Supported
Security Concerns à Privacy Beliefs	-0.66	-0.66	0.04	18.09	0.00	Supported
Attitude → Continuance Intention	0.36	0.36	0.08	4.55	0.00	Supported
Privacy Beliefs à Continuance Intention	0.33	0.33	0.07	4.96	0.00	Supported
Subjective Norm à Continuance Intention	0.20	0.20	0.07	2.74	0.01	Supported
Perceived Behavior Control à Continuance Intention	0.07	0.08	0.08	0.85	0.39	Not supported

Figure 2.

Hypothesis Results

Discussion

This study is one of a small group of behavioral studies that explore determinants of individuals’ continuance intention of telehealth. The results from this study can be utilized to reduce the barriers to sustained telehealth use.

Most prior studies on the adoption of telehealth did not explore security and privacy, but we felt it was important since careless security behaviors when using telehealth can cause an individual's health information to be divulged, which invades their privacy. In this study, we found that security concerns negatively influenced an individual's privacy beliefs.

Usefulness positively influenced attitude as previously found by Chau and Hu.⁸ These results are important as they indicate that individuals feel that using telehealth is beneficial. Subsequently, usefulness impacts their attitude toward the continuance intention of telehealth. According to Horn⁴⁵, a primary care physician for the Division of General Internal Medicine at Massachusetts General Hospital and an assistant professor at Harvard Medical School, healthcare facilities started opening their doors in June 2021. We gathered data in mid-2022. By that time, choosing to use telehealth was more of an option than a requirement. Thus, usefulness and continuance intention were measured after the height of the social distancing period for COVID-19, when individuals were returning to a less isolated existence.

Subsequently, attitude impacts an individual's decision to continuance intention of telehealth in support of prior findings by both Chau and Hu⁸ and Ramírez-Correa, Ramírez-Rivas, Alfaro-Pérez and Melo-Mariano¹² Since most individuals were attempting to social distance during COVID-19, telehealth may be seen as useful since one can visit health professionals from a safe environment.

Their privacy beliefs positively impacted whether they intended to continue to use telehealth services. A related barrier is that the patients are often responsible for acquiring the technical skills necessary for enabling and maintaining the telehealth software connection to ensure secure, private telehealth sessions. For example, in this study, over 40 percent of the respondents were over age 50, and this age group may have more difficulty managing the technical aspects of remote telehealth sessions. Thus, it is important to include privacy and security in studies on telehealth adoption.

Moqbel, Hewitt, Nah and McLean¹⁵ found that subjective norms in the form of physicians’ and other health professionals’ encouragement impacted individuals’ decisions to use patient portals. Our results supported those prior findings. Thus, the subjective norm can be important to the adoption of systems, especially if the physician and other healthcare professionals are suggesting that patients use telehealth. We suggest that physicians continue to promote telehealth to their patients.

Surprisingly, perceived behavioral control was also not significant in our study, which contradicts the results from Chau and Hu⁸ who found perceived behavior control significant but its influence was moderate. Ramírez-Correa, Ramírez-Rivas, Alfaro-Pérez and Melo-Mariano¹² also found it insignificant when exploring the adoption of telehealth in a study comparing TPB with TAM. Trafimow, Sheeran, Conner and Finlay⁴⁶ suggest that perceived behavioral control may need to be broken into two variables including perceived control and perceived difficulty. Terry and O'Leary⁴⁷ suggest that researchers should consider the differences between perceived behavioral control and self-efficacy through Ajzen¹⁰ and Ajzen and Driver⁴⁸ propose the variables are synonymous. Thus, regardless of whether we included perceived behavior control or self-efficacy, these variables may influence the adoption and/or continuance intention of telehealth with a different group of subjects. Perhaps, COVID-19 had an impact on the individuals’ perception that they did not have control over using telehealth. In many instances, physicians were requiring patients to use telehealth during this period.

Study method and design limitations are considered when interpreting any research results. Data for this study was collected with a Qualtrics Survey Service online survey instrument on a general population. Survey data is self-reported data and has an inherent bias that makes it less reliable than measured data. Specifically, respondents may underreport or overreport their reactions. They may not accurately judge the severity of the security threat or the privacy issue. Second, while efforts were made to remove those who appeared to be rushing to get through the survey, respondents may have randomly selected answers due to survey fatigue. Another limitation is that study data was only collected from an online survey.

Another limitation is the population sample size. The 194 individuals who responded to the survey were sufficient. However, larger sample sizes might have provided a better approximation of the population due to the reduction in the standard error. The respondent demographic mix must also be considered. Respondents were distributed evenly per age, employment field, and other fields as shown in Table 1.

Future research could explore other factors that might influence individuals to continue to use telehealth. One may also want to explore why perceived behavioral control was not significant. Perceived behavior control might be significant if broken into perceived difficulty or self-efficacy were used. Additionally, since fears of COVID-19 have lessened, future studies should determine individuals’ intentions to use telehealth or to continue to use telehealth, especially after this pandemic ends. Future research could include asking patients if they have any concerns about accurate diagnosis and the completeness of their physical examination when the provider uses telehealth versus in-person patient visits where the provider can conduct a hands-on examination.

Conclusion

The goal was to examine the factors that influence individuals to use telehealth. The study results indicated that privacy, security, attitude, subjective norm, and usefulness were important predictors of the continuance intention of telehealth. While perceived behavioral control was not significant in this case, the significant factors might best explain the continuance intention of telehealth.

Security initiatives for telehealth should include technology and human factors. Most telehealth visits are conducted remotely, or private information is sent through a secured format to the users over the internet using encryption or other security measures. Perhaps, healthcare organizations should educate users on security protocols when inviting individuals to telehealth sessions. The information can discuss ways to keep the session private as well as how to ensure the security of the individual's computing device during the session.

Telehealth can provide many benefits, especially in the remote management of chronic diseases. However, privacy and security concerns of healthcare consumers create barriers to telehealth use that must be reduced to facilitate repeated telehealth usage in future healthcare settings.

Support: The study site university provided the funding for the study survey.

Acknowledgments: none

Declarations of conflict of interest: none

Appendix A: Survey Questions on Telehealth Use

Construct	Variable	Description
Demographics	Age	Age in years
	EdLvl	Highest level of education completed
	gender	Gender
	EmpStat	How would you describe your employment status?
	EmpIndustry	What is your occupation? - Selected Choice
	Income	Household income level
	PCP	Do you have a primary care physician?
	DocReg	Do you regularly see a doctor?
	CovidTelImpact	COVID-19 has changed how I plan to use telehealth.
	UseTH	Have you used telehealth?
Attitude	Att1	My experience using telehealth to visit with my physician is positive.
	Att2	Using telehealth to visit with my physician is valuable.
	Att3	Using telehealth to visit with my physician allowed me to avoid getting COVID-19.
	Att4	Using telehealth to visit with my physician was beneficial.
	Att5	Using telehealth to visit with my physician was important.
	Att6	Using telehealth to visit with my physician was satisfying.
Perceived Behavioral Control	PBC1	I have the necessary resources to use telehealth.
	PBC2	I have the ability to use telehealth.
	PBC3	I used telehealth because I am knowledgeable about the technology needed.
	PBC4	I used telehealth because it was entirely within my control.
Subjective Norm	SubNorm1	I used telehealth because my physician suggested I use it.
	SubNorm2	I used telehealth because a healthcare professional suggested I use it.
	SubNorm3	I used telehealth because a friend suggested I use it.
	SubNorm4	I used telehealth because a family member suggested I use it.
	SubNorm5	I used telehealth because someone in my physician's office suggested I use it.
Usefulness	Useful1	I used telehealth because I could use it after business hours.
	CUseful1	I used telehealth when my physician was closed due to COVID-19.
	Useful2	I used telehealth even when I can't go to the provider.
	Cuseful2	I used telehealth to avoid being exposed to COVID-19.
	CUseful3	COVID-19 made telehealth a useful way to see my physician.
	Useful3	I used telehealth anytime I can't go to the doctor's office.
	Useful4	I benefitted from using telehealth.
	Useful5	The advantages of telehealth outweigh the disadvantages.
	CUseful4	Telehealth was a convenient way to meet with my physician during COVID-19.
Privacy Beliefs	Private1	I believe that the information provided at a telehealth session is kept private.
	Private2	When I share information during a telehealth session, it will be kept private.
	Private3	When using telehealth, one is able to share information since it will be kept private.
	Private4	I feel comfortable sharing information at a telehealth session because I know it is kept private.
Security Concerns	Secure1	I do not feel my health information is secure when using telehealth.
	Secure2	I use telehealth because I feel that my protected health information is kept secure.
	Secure3	I do not perceive that my health information is secure when using telehealth.
	Secure4	I am worried that others can access my health record when using telehealth.
Continuance Intention	Continuance Intention 1	I intend to continue to use telehealth.
	Continuance Intention 2	I plan to continue to use telehealth.
	Continuance Intention 3	Even after COVID-19 is no longer a threat, I will continue to use telehealth.
	Continuance Intention 4	I will use telehealth again.
	Continuance Intention 5	Since the COVID-19 virus (coronavirus) makes it hard to see my physician, I will continue to use telehealth.

Appendix B: Factor Loadings and VIF

	Attitude	Continuance Intention	PBC	Privacy Beliefs	Security Concerns	Subjective Norm	Useful	VIF
Att1	0.74	0.35	0.32	0.34	-0.27	0.09	0.52	1.94
Att2	0.86	0.55	0.50	0.45	-0.37	0.17	0.65	2.71
Att4	0.90	0.60	0.56	0.55	-0.42	0.14	0.69	3.27
Att5	0.77	0.45	0.47	0.39	-0.35	0.15	0.58	1.90
Att6	0.86	0.53	0.59	0.41	-0.40	0.18	0.62	2.62
ContinuanceIntention 1	0.56	0.92	0.45	0.49	-0.42	0.28	0.64	4.55
ContinuanceIntention 2	0.63	0.93	0.49	0.56	-0.49	0.26	0.69	4.71
ContinuanceIntention3	0.49	0.86	0.43	0.44	-0.33	0.29	0.54	2.66
ContinuanceIntention 4	0.51	0.88	0.40	0.55	-0.52	0.23	0.62	2.99
ContinuanceIntention 5	0.47	0.80	0.40	0.45	-0.35	0.30	0.56	2.05
PBC1	0.43	0.31	0.71	0.35	-0.35	0.02	0.36	1.43
PBC3	0.47	0.42	0.88	0.39	-0.29	0.29	0.42	1.95
PBC4	0.55	0.47	0.84	0.43	-0.32	0.28	0.51	1.55
Private1	0.48	0.49	0.46	0.88	-0.61	0.02	0.58	2.48
Private2	0.43	0.46	0.39	0.84	-0.55	0.05	0.53	2.14
Private3	0.36	0.38	0.33	0.76	-0.37	0.08	0.43	1.74
Private4	0.46	0.55	0.40	0.87	-0.63	0.12	0.56	2.19
Sec2Rev	-0.56	-0.63	-0.53	-0.70	0.72	-0.19	-0.65	1.06
Secure1	-0.12	-0.17	-0.06	-0.30	0.72	0.33	-0.15	2.34
Secure3	-0.15	-0.14	-0.15	-0.33	0.76	0.32	-0.20	2.47
Secure4	-0.21	-0.17	-0.11	-0.36	0.78	0.42	-0.24	2.75
SubNorm2	0.15	0.23	0.14	0.08	0.02	0.57	0.07	1.03
SubNorm3	0.12	0.27	0.25	0.06	0.20	0.88	0.15	3.34
SubNorm4	0.14	0.20	0.22	0.04	0.20	0.85	0.14	3.32
Useful4	0.76	0.64	0.52	0.60	-0.52	0.16	0.87	1.99
Useful5	0.57	0.61	0.45	0.42	-0.34	0.13	0.81	1.78
CUseful3	0.55	0.50	0.42	0.54	-0.42	0.15	0.79	1.73
CUseful4	0.52	0.52	0.33	0.49	-0.41	0.05	0.81	1.92