Table 3.

The measurement model

Constructs	CR	Cronbach’s Alpha	AVE
Actual Use	0.9200	0.8693	0.7935
Intention to Use	0.8932	0.8198	0.7364
Perceived Ease of Use	0.9176	0.8803	0.7361
Perceived Usefulness	0.8911	0.8380	0.6719
Personal innovativeness in IT	0.9449	0.9335	0.8511
Subjective Norm	0.9031	0.9355	0.7582

AVE average variance extracted, CR composite reliability