Table 2. Factor loadings, CR, and AVE for the study variables.

Construct	Factor Loadings	CR	AVE	Cronbach’s α	R2
Currency	0.81–0.95	0.91	0.77	0.85
Completeness	0.85–0.94	0.92	0.79	0.87
Format	0.92–0.94	0.93	0.86	0.84
Accuracy	0.91–0.92	0.91	0.84	0.81
Information Quality	0.92–0.95	0.95	0.87	0.92	0.74
Reliability	0.80–0.90	0.88	0.72	0.80
Accessibility	0.89–0.93	0.94	0.84	0.90
Flexibility	0.93–0.95	0.91	0.83	0.80
Timeliness	0.85–0.89	0.91	0.76	0.84
System Quality	0.95–0.96	0.95	0.91	0.90	0.56
Empathy	0.91–0.92	0.91	0.84	0.81
Service Reliability	0.84–0.95	0.91	0.78	0.86
Tangible	0.93–0.94	0.95	0.87	0.93
Assurance	0.91–0.92	0.94	0.84	0.90
Responsiveness	0.93–0.94	0.93	0.88	0.86
Service Quality	0.84–0.91	0.87	0.77	0.71	0.75
User Satisfaction	0.80–0.89	0.89	0.72	0.81	0.75
Perceived Enjoyment	0.94–0.95	0.96	0.89	0.94	0.42
Perceived Ease Of Use	0.78–0.92	0.91	0.73	0.87	0.61
Perceived Usefulness	0.91–0.94	0.96	0.86	0.94	0.59
Behavioral Attitude	0.92–0.95	0.95	0.87	0.93	0.66
Intention	0.94–0.96	0.97	0.90	0.95	0.53

CR = composite reliability; AVE = average variance extracted; CUR = Currency; COM = Completeness; FOR = Format; ACU = Accuracy; IQ = Information Quality; REL = Reliability; ACE = Accessibility; FLE = Flexibility; TIM = Timeliness; SysQ = System Quality; EMP = Empathy; SER = Service Reliability; TAN = Tangible; ASS = Assurance; RES = Responsiveness; SQ = Service Quality; US = User Satisfaction; PEOU = Perceived Ease of Use; PU = Perceived Usefulness; PE = Perceived Enjoyment; BA = Behavioral Attitude