Table 3. The results of confirmatory factor analysis.

Items	Coef.	OIM Std. Err	P-value	Composite Reliability (CR)	Average Variance Extracted (AVE)
Perceived Usefulness- PU				0.840	0.637
PU1	0.757	0.024	0.000
PU2	0.805	0.022	0.000
PU3	0.829	0.021	0.000
Perceived Ease of Use-PEU				0.836	0.560
PEU1	0.735	0.041	0.000
PEU2	0.751	0.037	0.000
PEU3	0.895	0.032	0.000
PEU4	0.761	0.034	0.000
Trust- TR				0.913	0.679
TR1	0.913	0.048	0.000
TR2	0.885	0.028	0.000
TR3	0.793	0.029	0.000
TR4	0.784	0.043	0.000
TR5	0.753	0.051	0.000
Attitude- ATT				0.864	0.614
ATT1	0.754	0.024	0.000
ATT2	0.802	0.021	0.000
ATT3	0.769	0.024	0.000
ATT4	0.777	0.023	0.000
Subjective Norm- SN				0.860	0.606
SN1	0.797	0.022	0.000
SN2	0.774	0.021	0.000
SN3	0.711	0.024	0.000
SN4	0.817	0.019	0.000
SN5	0.800	0.018	0.000
SN6	0.763	0.023	0.000
Perceived Behavioral Control- PBC				0.865	0.615
PBC1	0.783	0.026	0.000
PBC2	0.794	0.026	0.000
PBC3	0.777	0.023	0.000
PBC4	0.808	0.022	0.000
Digital Payment Adoption-DPA				0.897	0.687
DPA1	0.899	0.040	0.000
DPA2	0.853	0.017	0.000
DPA3	0.828	0.019	0.000
DPA4	0.825	0.018	0.000

LR test of model vs. saturated: chi ² (361) = 897.54 Prob > chi ² = 0.0000.

Source: Authors.