Table 3.

Loading factor, internal consistency, and convergent validity.

Variable	Indicator	Loading Factor (>0.7)	C.R. 1 (>0.7)	AVE 2 (>0.5)
Perceived Severity (PS)	PS1	0.927	0.932	0.821
	PS2	0.878
	PS3	0.913
Perceived Susceptibility (PSC)	PSC1	0.905	0.932	0.821
	PSC2	0.898
	PSC3	0.916
Response Efficacy (RE)	RE1	0.883	0.928	0.812
	RE2	0.907
	RE3	0.912
Self-Efficacy (SE)	SE1	0.924	0.928	0.811
	SE2	0.894
	SE3	0.883
Response Cost (RC)	RC1	0.890	0.930	0.816
	RC2	0.921
	RC3	0.898
Performance Expectancy (PE)	PE1	0.869	0.938	0.791
	PE2	0.900
	PE3	0.884
	PE4	0.904
Effort Expectancy (EE)	EE1	0.869	0.918	0.789
	EE2	0.880
	EE3	0.915
Social Influence (SI)	SI1	0.843	0.912	0.776
	SI2	0.893
	SI3	0.906
Behavioral Intention (BI)	BI1	0.884	0.877	0.780
	BI2	0.883
Usage Behavior (UB)	UB1	0.876	0.859	0.754
	UB2	0.860

¹ CR: Composite reliability; ² AVE: Average variance extracted.