Table 3.

Means, reliability, and convergent validity.

Construct	Items	Mean (SD)	Standardized Factor Loading	CR	AVE
Intention to use	ITU1	4.3 (0.65)	0.871	0.860	0.673
	ITU2	4.3 (0.71)	0.812
	ITU3	4.3 (0.70)	0.776
Attitude toward use	ATT1	4.3 (0.56)	0.721	0.798	0.569
	ATT2	4.3 (0.69)	0.721
	ATT3	4.1 (0.77)	0.816
Perceived usefulness	PU1	3.9 (0.74)	0.798	0.801	0.573
	PU2	3.8 (0.84)	0.769
	PU3	3.9 (0.73)	0.701
Technology anxiety	TA1	2.1 (0.81)	0.825	0.853	0.593
	TA2	2.2 (1.00)	0.769
	TA3	2.1 (0.90)	0.766
	TA4	1.7 (0.66)	0.715
Perceived ease of use	PEOU1	4.4 (0.70)	0.797	0.855	0.596
	PEOU2	4.4 (0.73)	0.786
	PEOU3	4.1 (0.73)	0.785
	PEOU4	4.3 (0.70)	0.716
Trust	TRU1	4.1 (0.67)	0.798	0.831	0.553
	TRU2	4.1 (0.77)	0.753
	TRU3	4.1 (0.72)	0.736
	TRU4	3.9 (0.72)	0.684
Perceived interactivity	INT1	3.8 (0.78)	0.775	0.842	0.572
	INT2	4.0 (0.80)	0.774
	INT3	3.8 (0.79)	0.752
	INT4	2.2 (0.82)	0.723
Perceived personalization	PS1	4.0 (0.58)	0.839	0.822	0.698
	PS2	4.0 (0.77)	0.832
Privacy concerns	PC1	2.7 (0.91)	0.902	0.904	0.703
	PC2	3.0 (0.96)	0.843
	PC3	3.0 (0.98)	0.817
	PC4	3.2 (1.00)	0.789

Note: CR represents composite reliability and AVE represents average variance extracted.