Table 2.

Rotated factor matrix of independent variables.

Variables	Factor
	PEOUa	ICTb use	PUc
Tech comfort	.40	.42	.35
Tech nervous	.72	.08	.01
Tech confidence	.82	.16	.10
Tech confusion	.88	.14	.08
Tech apprehension	.79	.20	.10
Tech fear	.75	.22	.10
Tech connection	.06	.07	.75
Tech learning	.09	.15	.85
Years of tech experience	.21	.60	.16
Computer use frequency	.19	.67	.03
Tablet use frequency	.03	.68	–.03
Smartphone use frequency	.11	.52	.17

^aPEOU: perceived ease of use.

^bICT: Information communication technology.

^cPU: perceived usefulness.