Table 3.
Theoretical Constructs and Psychometric Properties of the Measures.
| Construct | Mean ±SD | Cronbach's alpha | Factor loading | Construct reliability | Average variance extracted |
|---|---|---|---|---|---|
| Perceived ease of use | 0.65 | 0.722 | 0.474 | ||
| PEoU2 | 3.35 ± 0.84 | 0.75 | |||
| PEoU4 | 3.2 ± 0.81 | 0.692 | |||
| PEoU5 | 2.49 ± 0.88 | 0.433 | |||
| Perceived usefulness | 0.82 | 0.861 | 0.556 | ||
| PU1 | 3.29 ± 0.83 | 0.591 | |||
| PU2 | 3.31 ± 0.86 | 0.708 | |||
| PU3 | 3.21 ± 0.87 | 0.624 | |||
| PU4 | 3.21 ± 0.83 | 0.771 | |||
| PU5 | 3.25 ± 0.88 | 0.749 | |||
| Perceived security | 0.87 | 0.888 | 0.666 | ||
| PS1 | 2.68 ± 0.92 | 0.734 | |||
| PS2 | 2.48 ± 0.92 | 0.867 | |||
| PS3 | 2.28 ± 0.98 | 0.843 | |||
| PS4 | 2.54 ± 0.95 | 0.743 | |||
| Resistance to change | 0.75 | 0.776 | 0.635 | ||
| RC1 | 2.5 ± 0.95 | 0.734 | |||
| RC3 | 2.56 ± 0.89 | 0.816 | |||
| Social norm | 0.77 | 0.844 | 0.647 | ||
| SN1 | 3.09 ± 0.77 | 0.729 | |||
| SN2 | 3.12 ± 0.76 | 0.855 | |||
| SN3 | 3.21 ± 0.83 | 0.596 | |||
| Behavioral intention to use | 0.88 | 0.895 | 0.632 | ||
| BIU1 | 3.13 ± 0.94 | 0.818 | |||
| BIU2 | 3.13 ± 0.87 | 0.779 | |||
| BIU3 | 3.18 ± 0.9 | 0.844 | |||
| BIU4 | 2.94 ± 0.94 | 0.803 | |||
| BIU5 | 2.41 ± 1.03 | 0.635 |
SD, standard deviation; PEoU, perceived ease of use; PU, perceived usefulness; PS, perceived security; RC, resistance to change; SN, social norm; BIU, behavioral intention to use.