Table 3.

Item loading and validity.

Construct/Item		Factor loading		Cronbach α		Composite reliability		Average variance extracted
		Model 1	Model 2	Model 1	Model 2	Model 1	Model 2	Model 1	Model 2
PUa				.754	.740	0.790	0.740	0.387	0.416
	PU1	0.664	0.665
	PU2	0.652	0.651
	PU3	0.577	—b
	PU4	0.551	—
	PU5	0.640	0.639
	PU6	0.640	0.625
PEUc				.743	.743	0.747	0.748	0.425	0.426
	PEU1	0.623	0.629
	PEU2	0.665	0.658
	PEU3	0.645	0.646
	PEU4	0.673	0.676
FRd				.744	.744	0.745	0.745	0.495	0.494
	FR1	0.648	0.647
	FR2	0.734	0.734
	FR3	0.725	0.725
PRRe				.829	.829	0.840	0.840	0.640	0.640
	PRR1	0.867	0.867
	PRR2	0.873	0.874
	PRR3	0.638	0.637
SRf				.702	.702	0.706	0.706	0.547	0.547
	SR1	0.789	0.789
	SR2	0.687	0.687
TRg				.761	.761	0.761	0.761	0.614	0.614
	TR1	0.786	0.786
	TR2	0.781	0.781
PSRh				.754	.754	0.768	0.768	0.529	0.529
	PSR1	0.813	0.813
	PSR2	0.766	0.765
	PSR3	0.583	0.583
PIi				.745	.745	0.753	0.753	0.509	0.509
	PI1	0.575	0.575
	PI2	0.792	0.792
	PI3	0.754	0.754
BIj				.790	.790	0.789	0.789	0.556	0.556
	BI1	0.768	0.768
	BI2	0.768	0.768
	BI3	0.698	0.697

^aPU: perceived usefulness.

^bNot available.

^cPEU: perceived ease of use.

^dFR: financial risk.

^ePRR: privacy risk.

^fSR: social risk.

^gTR: time risk.

^hPSR: psychological risk.

ⁱPI: personal innovativeness.

^jBI: behavior intention.